Prairie Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Prairie Community Bank is an FDIC-insured commercial bank headquartered in Marengo, IL, established in 1998 (FDIC certificate 34526), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $187.5M, up 0.7% from Q2 2025, the 206th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.01% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34526
- Headquarters
- Marengo, IL
- Established
- 1998
- Total assets, Q2 2026
- $187.5M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 12.01%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071925758
- Holding company
- MARENGO BANCSHARES, INC.
- Asset rank in state
- 206th of 319 in Illinois
Problem loans are rising at Prairie Community Bank. It reported $188 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.82% of loans from 0.09% a year earlier. It funds 8.75% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Delinquency has appeared in its $14 million commercial and industrial book: 17.81% of those loans are past due or on nonaccrual, against almost none a year earlier. The non-owner-occupied commercial real estate book ($32 million) is worsening: 4.30% of it is past due or on nonaccrual, up from 0.75% a year earlier. Credit is the area to watch: it carries problem assets equal to 23.9% of the capital and reserves that would absorb them, 9.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Prairie Community Bank reported a CET1 capital ratio of 12.01%, a return on assets of 0.74%, a nonperforming-loan ratio of 2.82% and a Texas ratio of 23.92%. The figures come from its call report filed with the FFIEC.
Prairie Community Bank ranks as the 206th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.8% to $187.5M, loans rose 5.7% and deposits fell 1.9%. Owner-occupied commercial real estate loans made up 24.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.0%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Marengo office books 56% of its branch deposits. On its Q2 2026 call report, Prairie Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 800 W Grant Hwy, Marengo, IL 60152
- County
- Mchenry
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 2, 1998
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $170.9M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$50K
- Average total assets
- $191.5M
- Average total loans
- $132.7M
- Average interest-bearing deposits
- $126.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 2, 1998
- FDIC Cert
- 34526
- Fed RSSD
- 2598396
- SEC CIK
- 1272893 → filed by MARENGO BANCSHARES, INC.
- Website
- www.prairiecommunitybank.com →
- Parent Holding Company
- MARENGO BANCSHARES, INC. (RSSD 2598378)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Prairie Community Bank's total assets ranged from $161.6M (Q1 2024) to $192.5M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$187.5M total assets against $186.2M; $172.2M total liabilities against $172.1M.
$132.4M net loans and leases against $122.1M; $170.9M total deposits against $168.6M.
$27.3M securities against $32.1M; $17.5M cash and balances due against $21.1M.
$2.4M total interest income against $2.4M; $580K total interest expense against $671K.
$1.8M net interest income against $1.7M.
$224K total noninterest income against $162K; $1.6M total noninterest expense against $1.6M.
-$22K provision for credit losses against -$150K.
$355K net income against $327K.
0.74% return on assets against 0.70%; 4.09% net interest margin against 3.86%.
12.01% CET1 capital ratio against 12.44%; 8.75% tier 1 leverage ratio against 8.52%.
Inside the full Prairie Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Prairie Community Bank rankings
Its closest position to the top of a national ranking is 114 of 3,640, for Texas Ratio; its furthest is 3,136 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.40% (Q3 2024) to 0.74% (Q2 2026) and its net interest margin ran from 3.79% (Q3 2024) to 4.09% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.01% | 0.74% | 2.82% | 23.92% | 4.09% |
| Q1 2026 | 12.74% | 0.67% | 2.95% | 23.67% | 3.90% |
| Q4 2025 | 12.62% | 0.66% | 0.17% | 3.36% | 4.01% |
| Q3 2025 | 12.20% | 0.70% | 0.17% | 3.86% | 4.01% |
| Q2 2025 | 12.44% | 0.70% | 0.09% | 3.32% | 3.86% |
| Q1 2025 | 12.86% | 0.64% | 0.09% | 3.38% | 3.89% |
| Q4 2024 | 12.35% | 0.53% | 0.89% | 7.00% | 3.87% |
| Q3 2024 | 13.01% | 0.40% | 0.96% | 6.92% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Prairie Community Bank (main office) | Marengo , IL | 60152 | $95.4M |
| Jefferson Street Branch | Union , IL | 60180 | $38.1M |
| Woodstock Branch | Woodstock , IL | 60098 | $23.1M |
| Elgin Branch | Elgin , IL | 60123 | $14.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 233 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 24 loans originated, $6.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $320K approved, $320K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Prairie Community Bank
What are Prairie Community Bank's total assets?
As of the Q2 2026 filing, Prairie Community Bank reported total assets of $187.5 million in its FFIEC call report.
Where is Prairie Community Bank headquartered?
It is headquartered in Marengo, IL, United States.
When was Prairie Community Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Prairie Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prairie Community Bank?
Prairie Community Bank's primary federal regulator is the FDIC.
What is Prairie Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.01% in its Q2 2026 call report, above regulatory requirements.
How many branches does Prairie Community Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Prairie Community Bank's Texas Ratio?
Its Texas Ratio is 23.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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