PROSPECT BANK

PARIS, IL | Medium | Est. March 23, 1873, midnight | FDIC #3722 | RSSD #738143 | FDIC
Latest Report: 2025-12-31

PROSPECT BANK is amn medium FDIC-insured commercial bank headquartered in PARIS, IL, established in March 23, 1873, midnight. As of 2025-12-31, the bank reported total assets of $676M and total deposits of $569M. Profitability stands at 0.24% ROA and 4.08% ROE, with a net interest margin of 2.63%. The bank's CET1 capital ratio is 12.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 10.25%. FDIC Certificate #3722.

Assets

$676M

Deposits

$569M

Loans

$449M

Equity

$42M

Profitability

Return on Assets (ROA) 0.24%
Return on Equity (ROE) 4.08%
Net Interest Margin (NIM) 2.63%
Yield on Assets 5.06%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio 0.02%
Texas Ratio 10.25%
NPA Ratio 0.70%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 12.82%
Tier 1 Capital 12.82%
Total Capital Ratio 13.58%
Leverage Ratio 8.40%
Loan-to-Deposit 78.89%

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