Prairie State Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Prairie State Bank & Trust is an FDIC-insured commercial bank headquartered in Springfield, IL, established in 1988 (FDIC certificate 27362), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $840.1M, up 4.8% from Q2 2025, the 61st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27362
- Headquarters
- Springfield, IL
- Established
- 1988
- Total assets, Q2 2026
- $840.1M
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 12.39%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 071114763
- Latest call report
- Q2 2026, FFIEC 041 · Prairie State Bank & Trust call report
- Holding company
- AMERICAN CENTRAL FINANCIAL GROUP, INC.
- Asset rank in state
- 61st of 319 in Illinois
Prairie State Bank & Trust, based in Springfield, Illinois, reported $840 million in assets at June 30, 2026, up 4.8% from a year earlier. It pays an average of 1.08% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $3.5 million, 41% above the same quarter a year earlier. Delinquency has appeared in its $106 million non-owner-occupied commercial real estate book: 1.39% of those loans are past due or on nonaccrual, against almost none a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.52% of loans from 0.30% a year earlier.
As of June 30, 2026, Prairie State Bank & Trust reported a return on assets of 1.74%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 2.71%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Prairie State Bank & Trust is the 61st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.2% to $840.1M, loans rose 0.2% and deposits rose 4.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 20.8% of total loans, followed by non-owner-occupied commercial real estate loans at 19.2%. Its 19 offices in the FDIC Summary of Deposits are in 15 cities in IL; its Springfield 3 offices book 21% of its branch deposits. Judged on its Q2 2026 call report, Prairie State Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3751 Wabash Ave, Springfield, IL 62711
- County
- Sangamon
- Metro Area
- Springfield, IL
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 4, 1988
- Former names
- Prairie State Bank and Trust (1997)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 133
- Domestic deposits
- $730.2M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $120K
- Average total assets
- $817.3M
- Average total loans
- $552.3M
- Average interest-bearing deposits
- $540.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 4, 1988
- FDIC Cert
- 27362
- Fed RSSD
- 1222948
- Website
- www.psbank.net →
- Parent Holding Company
- AMERICAN CENTRAL FINANCIAL GROUP, INC. (RSSD 1095414)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Prairie State Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Prairie State Bank & Trust's total assets ranged from $769.4M (Q4 2024) to $840.1M (Q2 2026), 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
$840.1M total assets against $801.7M; $738.8M total liabilities against $704.9M.
$547.0M net loans and leases against $547.1M; $730.2M total deposits against $698.5M.
$210.4M securities against $183.7M; $60.5M cash and balances due against $48.9M.
$10.1M total interest income against $8.8M; $1.9M total interest expense against $1.9M.
$8.2M net interest income against $6.9M.
$871K total noninterest income against $856K; $5.3M total noninterest expense against $5.0M.
-$1K provision for credit losses against $138K.
$3.5M net income against $2.5M.
1.74% return on assets against 1.28%; 4.14% net interest margin against 3.65%.
12.39% tier 1 leverage ratio against 12.33%.
Inside the full Prairie State Bank & Trust 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 State Bank & Trust rankings
Its closest position to the top of a national ranking is 842 of 3,611, for ROA; its furthest is 1,956 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.88% (Q1 2025) to 1.74% (Q2 2026) and its net interest margin ran from 3.29% (Q4 2024) to 4.14% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.39% | 1.74% | 0.52% | 2.71% | 4.14% |
| Q1 2026 | 12.31% | 1.43% | 0.26% | 1.37% | 3.94% |
| Q4 2025 | 12.21% | 1.50% | 0.25% | 1.31% | 3.97% |
| Q3 2025 | 12.14% | 1.67% | 0.30% | 1.60% | 3.85% |
| Q2 2025 | 12.33% | 1.28% | 0.30% | 1.63% | 3.65% |
| Q1 2025 | 12.28% | 0.88% | 0.21% | 1.12% | 3.36% |
| Q4 2024 | 12.30% | 1.15% | 0.22% | 1.12% | 3.29% |
| Q3 2024 | 11.93% | 1.10% | 0.23% | 1.20% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 19 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 |
|---|---|---|---|
| Charleston Branch | Charleston , IL | 61920 | $89.6M |
| Mount Zion Branch | Mount Zion , IL | 62549 | $87.9M |
| Springfield Branch | Springfield , IL | 62704 | $76.9M |
| Morton Street Office | Jacksonville , IL | 62650 | $70.2M |
| Virden Branch | Virden , IL | 62690 | $68.9M |
| Lewistown Branch | Lewistown , IL | 61542 | $53.4M |
| Prairie State Bank and Trust | Springfield , IL | 62711 | $52.6M |
| Pershing Road Branch | Decatur , IL | 62526 | $37.3M |
| Bloomington-Trinity Lane Branch | Bloomington , IL | 61704 | $35.0M |
| Savoy Branch | Savoy , IL | 61874 | $33.8M |
| Girard Facility | Girard , IL | 62640 | $25.3M |
| Mattoon Branch | Mattoon , IL | 61938 | $24.9M |
| Meredosia Branch | Meredosia , IL | 62665 | $24.0M |
| Toronto Road Branch | Springfield , IL | 62712 | $21.7M |
| Illiopolis Branch | Illiopolis , IL | 62539 | $12.3M |
| Farmersville Branch | Farmersville , IL | 62533 | $10.1M |
| Decatur Il Drive-Thru Branch | Decatur , IL | 62521 | $4.6M |
| Prairie State Bank and Trust Branch | Quincy , IL | 62301 | $1.8M |
| Virden Drive Up Facility | Virden , IL | 62690 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 10, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 10, 2011 | Structure Change | Acquired Farmers State Bank of Fulton County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2007 | Structure Change | Acquired The Farmers and Merchants State Bank of Virden, Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 21, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 2000 | Structure Change | Acquired Farmers and Traders State Bank of Meredosia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 18, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 1997 | Structure Change | Acquired First Springfield Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 1988 | Structure Change | Acquired MT. Zion State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 4, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 77 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 357 applications, 318 loans originated, $64.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 State Bank & Trust
What are Prairie State Bank & Trust's total assets?
As of the Q2 2026 filing, Prairie State Bank & Trust reported total assets of $840.1 million in its FFIEC call report.
Where is Prairie State Bank & Trust headquartered?
It is headquartered in Springfield, IL, United States.
When was Prairie State Bank & Trust founded?
It was established in 1988, per the FDIC institution directory.
Is Prairie State Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27362). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prairie State Bank & Trust?
Prairie State Bank & Trust's primary federal regulator is the FDIC.
How many branches does Prairie State Bank & Trust operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Prairie State Bank & Trust's Texas Ratio?
Its Texas Ratio is 2.71% 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.
What was Prairie State Bank & Trust previously called?
The charter now named Prairie State Bank & Trust has also operated as Prairie State Bank and Trust (1997), per FDIC structure-change records.
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