PROSPECT BANK
PROSPECT BANK is an FDIC-insured commercial bank headquartered in PARIS, IL, established in 1873. As of , 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 2.45%. CET1 capital ratio: 12.82%, well above regulatory minimums. NPL ratio: 0.55% · Texas Ratio: 10.99%. Operates 12 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Prospect Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.82% | 0.24% | 0.55% | 10.99% | 2.45% |
| 2025-09-30 | 12.74% | -0.12% | 0.32% | 8.88% | 2.40% |
| 2025-06-30 | 12.20% | 0.16% | 0.38% | 9.84% | 2.40% |
| 2025-03-31 | 11.52% | 0.40% | 0.34% | 9.99% | 2.20% |
| 2024-12-31 | 11.12% | 0.38% | 0.28% | 10.14% | 2.09% |
| 2024-09-30 | 10.58% | -0.27% | 0.30% | 9.28% | 1.93% |
| 2024-06-30 | 10.56% | -0.91% | 3.35% | 47.02% | 1.76% |
| 2024-03-31 | 10.44% | 0.06% | 2.48% | 36.51% | 1.95% |
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Frequently asked about PROSPECT BANK
What are Prospect Bank's total assets?
As of the Q4 2025 filing, Prospect Bank reported total assets of $676.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Prospect Bank headquartered?
Prospect Bank is headquartered in PARIS, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Prospect Bank founded?
Prospect Bank was established in 1873, per the FDIC institution directory.
Is Prospect Bank FDIC-insured?
Yes. Prospect Bank is an FDIC-insured commercial bank (FDIC Certificate #3722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prospect Bank?
Prospect Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Prospect Bank's CET1 capital ratio?
Prospect Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.82% in its most recent quarterly filing — above regulatory minimums.
How many branches does Prospect Bank operate?
Prospect Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Prospect Bank's Texas Ratio?
Prospect Bank's Texas Ratio is 10.99% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.