Prairie State Bank and Trust

BankSpringfield, Illinois
www.psbank.net

Total Assets

$805.7M

Total Deposits

$701.4M

Branches

18

Established

1988

TFS Health Grade

$
C-

71.3 / 100

Average financial health

How we grade

Prairie State Bank and Trust is a bank headquartered in Springfield, Illinois, established in 1988. With $805.7M in total assets and 18 branch locations, it has a TFS Financial Health Grade of C- (71.3/100).

Capital & Safety

Tier 1 Capital Ratio
12.21%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.25%

Profitability

Return on Assets (ROA)
1.34%(1%)
Return on Equity (ROE)
10.96%(10%)
Net Interest Margin
3.74%
Efficiency Ratio
63.46%(60%)

Lending & Liquidity

Total Loans
$563.5M
Loan-to-Deposit Ratio
79.52%
Net Charge-Off Ratio
0.08%

Growth

Asset Growth (YoY)
+4.71%
Deposit Growth (YoY)
+4.95%
Net Income
$10.6M

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.

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