Prospect Bank

Overview / Commentary
177 W. Wood St.
Paris, IL 61944

Prospect Bank is headquartered in PARIS and is the 68th largest bank in the state of Illinois. It is also the 1,293rd largest bank in the nation. It was established in 1873 and as of December of 2023, it had grown to 88 employees at 11 locations. Prospect Bank has a C+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Prospect Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #3722
Year Established1873
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.74%
Return on Equity - YTD-19.69%
Annual Interest Income$29.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$734.8MM$719MM
LoansQ4 2023vs Q4 2022$495.6MM$454.5MM
DepositsQ4 2023vs Q4 2022$550.9MM$572.4MM
Equity CapitalQ4 2023vs Q4 2022$30.2MM$26.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$5.3MM$5.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.4MM$815K
Real Estate OwnedQ4 2023vs Q4 2022$62K$156K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Prospect Bank Savings Account Rates

1.50%*-$50kKasasa Saver
OTHER TIERS: 0.25% $50k+

Prospect Bank Checking Account Rates

2.50%*-$15kKasasa Cash
OTHER TIERS: 0.25% $15k+

Cities: Ashmore, Brocton, Champaign, Gilman, Homer, Kansas, Paris, Sidell, Watseka

Ashmore Branches
Ashmore Illinois Facility10 West Ashmore StreetAshmore, IL 61912

Brocton Branches
Brocton, Illinois Facility301 W 3rd StreetBrocton, IL 61917

Champaign Branches
Champaign Branch1601 South Prospect AvenueChampaign, IL 61820

Gilman Branches
Gilman Branch209 South Crescent StreetGilman, IL 60938

Homer Branches
Homer Bank134 South Main StreetHomer, IL 61849

Kansas Branches
Kansas Illinois Facility101 S. Front StreetKansas, IL 61933

Paris Branches
The Edgar County Bank and Trust Co., Paris, Illino177 W Wood StParis, IL 61944
Drive-In Facility212-214 North Main StreetParis, IL 61944

Sidell Branches
Sidell Branch504 North Chicago StreetSidell, IL 61876

Watseka Branches
Watseka Branch141 Veterans ParkwayWatseka, IL 60970

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