Prairie State Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 203.66 percentage points in Q2 2026, from 404.24% to 200.59%. It was the largest change from Q1 2026 among the key lines here. Prairie State Bank & Trust ranks 56th of 323 Illinois banks on return on assets, in the upper half at 1.74% (Q2 2026). Prairie State Bank & Trust reported 1.74% on return on assets for Q2 2026, 0.48 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.39% |
| Equity capital to assets | 12.06% |
| Tangible equity to tangible assets | 12.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.71% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 200.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 14.14% |
| Net interest margin | 4.14% |
| Efficiency ratio | 58.21% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.71% |
| Core deposits to total deposits | 92.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.92% |
| Securities to assets | 25.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.58% | 1.15% | 3.27% | 0.21% | -0.01% |
| Q4 2023 | 12.06% | 1.41% | 3.21% | 0.24% | 0.05% |
| Q1 2024 | 12.19% | 0.82% | 3.13% | 0.21% | -0.07% |
| Q2 2024 | 12.14% | 0.92% | 3.18% | 0.22% | 0.01% |
| Q3 2024 | 11.93% | 1.10% | 3.30% | 0.23% | 0.04% |
| Q4 2024 | 12.30% | 1.15% | 3.29% | 0.22% | -0.00% |
| Q1 2025 | 12.28% | 0.88% | 3.36% | 0.21% | 0.00% |
| Q2 2025 | 12.33% | 1.28% | 3.65% | 0.27% | 0.10% |
| Q3 2025 | 12.14% | 1.67% | 3.85% | 0.30% | 0.01% |
| Q4 2025 | 12.21% | 1.50% | 3.97% | 0.25% | 0.20% |
| Q1 2026 | 12.31% | 1.43% | 3.94% | 0.26% | 0.09% |
| Q2 2026 | 12.39% | 1.74% | 4.14% | 0.52% | -0.00% |
Prairie State Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie State Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Prairie State Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27362) · FFIEC NIC profile (RSSD 1222948)