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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Paris, IL · FDIC certificate #3722
PROSPECT BANK is an FDIC-insured institution based in Paris, IL (FDIC certificate #3722). In its Q3 2026 Call Report it reported total assets of $779M, total deposits of $640M and net loans of $527M. Its primary federal regulator is FDIC.
Plain-language readout
PROSPECT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $779M in Q3 2026 and were lowest at $701M in Q1 2026.
Total deposits were highest at $640M in Q3 2026 and lowest at $593M in Q1 2026.
Over the whole period total assets rose 11.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $779M | $640M | $527M | -0.02% | -0.31% | 2.79% |
| Q2 2026 | $716M | $603M | $470M | 0.26% | 4.28% | 2.73% |
| Q1 2026 | $701M | $593M | $444M | 0.17% | 2.84% | 2.69% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $19.7M | $35.7M | -$16.0M | -44.8% |
| Federal funds sold | $3.8M | $2.2M | +$1.6M | +71.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $184.6M | $182.6M | +$2.0M | +1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $469.9M | $444.4M | +$25.5M | +5.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.1M | $13.6M | +$481K | +3.5% |
| Other real estate owned | $213K | $213K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.7M | $2.7M | +$4K | +0.1% |
| All other assets | $20.6M | $20.0M | +$610K | +3.0% |
| Total assets | $715.6M | $701.4M | +$14.2M | +2.0% |
| Liabilities | ||||
| Total deposits | $603.4M | $592.6M | +$10.8M | +1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $30.0M | $28.7M | +$1.3M | +4.6% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $32.5M | $32.5M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.2M | $5.7M | +$524K | +9.3% |
| Total liabilities | $672.1M | $659.5M | +$12.6M | +1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.4M | $1.4M | $0K | 0.0% |
| Surplus | $20.6M | $20.6M | $0K | 0.0% |
| Retained earnings | $42.0M | $41.4M | +$612K | +1.5% |
| Accumulated other comprehensive income | -$20.5M | -$21.5M | +$997K | +4.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $43.5M | $41.9M | +$1.6M | +3.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.4M | $2.4M | +$7K | +0.3% |
| Adjusted nonperforming assets | $2.4M | $2.4M | +$7K | +0.3% |
| Tangible equity plus allowance | $44.1M | $42.7M | +$1.4M | +3.3% |
| Texas ratio (gross) | 5.35% | 5.51% | -0.16 pts | See points |
| Texas ratio (adjusted) | 5.35% | 5.51% | -0.16 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.34% | 6.00% | +0.33 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.09% | 12.68% | -0.59 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.09% | 12.68% | -0.59 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.69% | 0.77% | -0.08 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.77% | 13.45% | -0.67 pts | See points |
| Tier 1 leverage (approximate) | 8.50% | 8.54% | -0.03 pts | See points |
| Construction and land loans to total capital | 20.51% | 18.39% | +2.11 pts | See points |
| Commercial real estate to total capital | 377.87% | 364.87% | +13.00 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -33.66% | -35.65% | +1.99 pts | See points |
| Liquidity | ||||
| Core deposits | $441.8M | $437.2M | +$4.5M | +1.0% |
| Non-core funding | $224.1M | $216.6M | +$7.5M | +3.5% |
| Loans to core deposits | 107.12% | 102.44% | +4.69 pts | See points |
| Loans to deposits | 78.43% | 75.58% | +2.85 pts | See points |
| Brokered deposits share of deposits | 16.57% | 17.80% | -1.23 pts | See points |
| Pledged securities share of securities | 70.67% | 65.98% | +4.69 pts | See points |
| Loans pledged, share of loans | 60.53% | 63.53% | -3.00 pts | See points |
| Volatile liabilities | $230.4M | $222.8M | +$7.5M | +3.4% |
| Earnings | ||||
| Earnings before provision, year to date | $840K | $410K | +$430K | +104.9% |
| Earnings before provision, single quarter | $430K | $410K | +$20K | +4.9% |
| Provision for credit losses, year to date | -$71K | $111K | -$182K | -164.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.17% | 6.06% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 4.29% | 3.06% | +1.23 pts | See points |
| Total interest income to average assets | 4.52% | 4.38% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 1.52% | 1.56% | -0.04 pts | See points |
| Cost of savings and money market deposits | 0.39% | 0.31% | +0.08 pts | See points |
| Cost of time deposits | 3.77% | 3.73% | +0.04 pts | See points |
| Total interest expense to average assets | 2.01% | 1.96% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $779M | $640M | $527M | -0.02% | -0.31% | 2.79% |
| 2026-06-30 | $716M | $603M | $470M | 0.26% | 4.28% | 2.73% |
| 2026-03-31 | $701M | $593M | $444M | 0.17% | 2.84% | 2.69% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IL | $570.9M | 0.08% | 95 | Continuing · +0.00 pp |
| IN | $18.5M | 0.01% | 126 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.