What is Prospect Bank's financial health grade?

Prospect Bank has a TFS Financial Health Grade of D- (score: 60.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Prospect Bank have?

Prospect Bank has 11 branch locations across the United States.

Is Prospect Bank FDIC insured?

Yes, Prospect Bank is FDIC insured (Certificate #3722).

What are the total assets of Prospect Bank?

Prospect Bank has total assets of $676.0M as reported in its most recent FDIC filing.

Prospect Bank

BankParis, Illinois

www.bankprospect.com

Total Assets

$676.0M

Total Deposits

$568.7M

Branches

Established

1873

TFS Health Grade

D-

60.8 / 100

Below average financial health

How we grade

Prospect Bank is a bank headquartered in Paris, Illinois, established in 1873. With $676.0M in total assets and 11 branch locations, it has a TFS Financial Health Grade of D- (60.8/100).

Capital & Safety

Tier 1 Capital Ratio

8.40%(8%)

Total Capital Ratio

13.58%(10%)

Non-Performing Loan Ratio

0.47%

Profitability

Return on Assets (ROA)

0.17%(1%)

Return on Equity (ROE)

3.23%(10%)

Net Interest Margin

2.48%

Efficiency Ratio

99.53%(60%)

Lending & Liquidity

Total Loans

$448.6M

Loan-to-Deposit Ratio

78.28%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

-6.75%

Deposit Growth (YoY)

-5.50%

Net Income

$1.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Prospect BankHQ	177 W Wood St	Paris	IL	11
Prospect Bank	10 W Ashmore St	Ashmore	IL	11
Prospect Bank	301 W 3rd Street	Brocton	IL	23
Prospect Bank	1601 S Prospect Ave	Champaign	IL	11
Prospect Bank	209 South Crescent Street	Gilman	IL	11
Prospect Bank	134 S Main St	Homer	IL	11
Prospect Bank	101 S Front St	Kansas	IL	11
Prospect Bank	212 N Main St	Paris	IL	23
Prospect Bank	504 N Chicago St	Sidell	IL	11
Prospect Bank	141 N Veterans Pkwy	Watseka	IL	11
Prospect Bank	2609 Poplar St	Terre Haute	IN	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.