Prospect Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.33 percentage points lower than in Q1 2026, at 129.25%. Prospect Bank ranks 289th of 323 Illinois banks on return on assets, in the lower half at 0.34% (Q2 2026). Prospect Bank's return on assets of 0.34% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 12.77% |
| Tier 1 leverage ratio | 8.50% |
| Equity capital to assets | 6.08% |
| Tangible equity to tangible assets | 5.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.26% |
| Allowance for credit losses to loans | 0.71% |
| Reserve coverage of non-performing loans | 129.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.34% |
| Return on equity | 5.73% |
| Net interest margin | 2.67% |
| Efficiency ratio | 92.04% |
| Yield on earning assets | 4.78% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.43% |
| Core deposits to total deposits | 73.21% |
| Brokered deposits to total deposits | 16.57% |
| Deposits to assets | 84.32% |
| Securities to assets | 25.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.60% | 10.60% | 11.64% | 7.55% | -2.96% |
| Q4 2023 | 10.22% | 10.22% | 11.20% | 7.63% | -0.34% |
| Q1 2024 | 10.44% | 10.44% | 11.40% | 7.75% | 0.06% |
| Q2 2024 | 10.56% | 10.56% | 11.80% | 7.70% | -0.88% |
| Q3 2024 | 10.58% | 10.58% | 11.57% | 7.56% | -0.26% |
| Q4 2024 | 11.12% | 11.12% | 12.02% | 7.77% | 0.37% |
| Q1 2025 | 11.52% | 11.52% | 12.29% | 8.03% | 0.38% |
| Q2 2025 | 12.20% | 12.20% | 13.01% | 8.39% | 0.16% |
| Q3 2025 | 12.74% | 12.74% | 13.55% | 8.35% | -0.11% |
| Q4 2025 | 12.82% | 12.82% | 13.58% | 8.40% | 0.23% |
| Q1 2026 | 12.68% | 12.68% | 13.45% | 8.54% | 0.17% |
| Q2 2026 | 12.09% | 12.09% | 12.77% | 8.50% | 0.34% |
Prospect Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prospect Bank, 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 Prospect Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3722) · FFIEC NIC profile (RSSD 738143)