Prospect Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Prospect Bank is the primary bank subsidiary of its parent holding company, headquartered in Paris, IL. As of Q2 2026, the bank held approximately $716M in total assets and $603M in deposits. Profitability runs below industry average: 0.34% ROA, 5.73% ROE, with NIM at 2.67%. Regulatory capital is solid, 12.09% CET1 and 12.77% total risk-based capital ratio. Asset quality is solid, 0.55% nonperforming loans and a 6.26% Texas Ratio. Prospect operates a 13-branch network.
As of June 30, 2026, Prospect Bank reported a CET1 capital ratio of 12.09%, a return on assets of 0.34%, a nonperforming-loan ratio of 0.55%, a Texas ratio of 6.26%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 177 W Wood St, Paris, IL 61944
- County
- Edgar
- 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 051
- Established
- March 23, 1873
- Former names
- The Edgar County National Bank and Trust Co., Paris, Illinois (1968-2017)
- Offices
- 13 domestic
- Employees (FTE)
- 98
- Domestic deposits
- $603.4M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $27K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3722
- Fed RSSD
- 738143
- Website
- www.bankprospect.com →
- Parent Holding Company
- EDGAR COUNTY BANC SHARES, INC. (RSSD 2577766)
Profitability
Capital & Liquidity
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.
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 Prospect Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Prospect 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Prospect Bank 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.
Banks merged into Prospect Bank
- Preferred Bank, effective August 14, 2026
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.09% | 0.34% | 0.55% | 6.26% | 2.67% |
| Q1 2026 | 12.68% | 0.17% | 0.55% | 6.16% | 2.58% |
| Q4 2025 | 12.82% | 0.23% | 0.55% | 11.54% | 2.45% |
| Q3 2025 | 12.74% | -0.11% | 0.32% | 9.35% | 2.41% |
| Q2 2025 | 12.20% | 0.16% | 0.38% | 10.39% | 2.42% |
| Q1 2025 | 11.52% | 0.38% | 0.34% | 10.58% | 2.22% |
| Q4 2024 | 11.12% | 0.37% | 0.28% | 10.78% | 2.08% |
| Q3 2024 | 10.58% | -0.26% | 0.30% | 9.79% | 1.92% |
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 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Prospect Bank (main office) | Paris , IL | 61944 | $264.4M |
| Champaign Branch | Champaign , IL | 61820 | $96.6M |
| Gilman Branch | Gilman , IL | 60938 | $73.6M |
| Watseka Branch | Watseka , IL | 60970 | $36.5M |
| Homer Bank | Homer , IL | 61849 | $28.9M |
| Ashmore Illinois Facility | Ashmore , IL | 61912 | $25.6M |
| Kansas Illinois Facility | Kansas , IL | 61933 | $24.6M |
| Terre Haute Branch | Terre Haute , IN | 47803 | $23.5M |
| Sidell Branch | Sidell , IL | 61876 | $18.5M |
| Brocton, Illinois Facility | Brocton , IL | 61917 | $11.2M |
| Drive-In Facility | Paris , IL | 61944 | $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 |
|---|---|---|---|
| August 14, 2026 | Structure Change | Acquired Preferred Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2015 | Structure Change | Acquired Sidell State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 14, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 12, 2009 | Structure Change | Acquired The First National Bank of Gilman Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 11, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 1998 | Structure Change | Acquired Kansas State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 28, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Prospect Bank, 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 94 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 73 applications, 58 loans originated, $12.9M originated, across 3 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 Prospect Bank
What are Prospect Bank's total assets?
As of the Q2 2026 filing, Prospect Bank reported total assets of $715.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Prospect Bank headquartered?
Prospect Bank is headquartered in Paris, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Prospect Bank founded?
Prospect Bank was established in 1873, per the FDIC institution directory.
Is Prospect Bank FDIC-insured?
Yes. Prospect Bank is an FDIC-insured commercial bank (FDIC Certificate #3722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prospect Bank?
Prospect Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Prospect Bank's CET1 capital ratio?
Prospect Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.09% in its Q2 2026 call report, above regulatory requirements.
How many branches does Prospect Bank operate?
Prospect Bank operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Prospect Bank's Texas Ratio?
Prospect Bank's Texas Ratio is 6.26% 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 Prospect Bank previously called?
The charter now named Prospect Bank has also operated as The Edgar County National Bank and Trust Co., Paris, Illinois (1968-2017), per FDIC structure-change records.
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