Prairie State Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Prairie State Bank & Trust is a locally rooted FDIC-insured community bank based in Springfield, IL. The Q2 2026 balance sheet stands at $840M in assets, including $553M in loans. Returns are notably above industry norms: 1.74% ROA, 14.14% ROE, and 4.14% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.39% exceeds the CBLR threshold. Asset quality is solid, 0.52% nonperforming loans and a 2.71% Texas Ratio. Prairie State Bank & Trust operates a 19-branch network.
As of June 30, 2026, Prairie State Bank & Trust reported a Tier 1 leverage ratio of 12.39%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.52%, a Texas ratio of 2.71%, per financial data filed with the FFIEC.
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)
- Offices
- 19 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Prairie State Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Prairie State Bank & Trust, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| 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% | 0.27% | 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| 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
What the public regulatory sources show for Prairie State Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 77 of 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Prairie State Bank & Trust headquartered?
Prairie State Bank & Trust is headquartered in Springfield, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Prairie State Bank & Trust founded?
Prairie State Bank & Trust was established in 1988, per the FDIC institution directory.
Is Prairie State Bank & Trust FDIC-insured?
Yes. Prairie State Bank & Trust 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Prairie State Bank & Trust operate?
Prairie State Bank & Trust 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?
Prairie State Bank & Trust's Texas Ratio is 2.71% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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