Prospect Bank

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.bankprospect.com

217-465-4154

177 W. Wood St.
Paris, IL 61944

Prospect Bank is headquartered in PARIS and is the 71^st largest bank in the state of Illinois. It is also the 1,346^th largest bank in the nation. It was established in 1873 and as of March of 2025, it had grown to 91 employees at 11 locations. Prospect Bank has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3722
Year Established	1873
Employees	91
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.4%
Return on Equity - YTD	8.38%
Annual Interest Income	$8.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$720.8MM$741.7MM
Loans	Q1 2025vs Q1 2024	$485.9MM$508.9MM
Deposits	Q1 2025vs Q1 2024	$610.8MM$560.5MM
Equity Capital	Q1 2025vs Q1 2024	$36.2MM$30MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.8MM$5.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.3MM$1.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$2.4MM$62K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%^*	$0	$50k	Kasasa Saver
OTHER TIERS: 0.25% → $50k+

Prospect Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%^*	$0	$15k	Kasasa Cash
OTHER TIERS: 0.25% → $15k+

Locations

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

Ashmore Branches
Ashmore Illinois Facility	10 West Ashmore Street	Ashmore, IL 61912

Brocton Branches
Brocton, Illinois Facility	301 W 3rd Street	Brocton, IL 61917

Champaign Branches
Champaign Branch	1601 South Prospect Avenue	Champaign, IL 61820

Gilman Branches
Gilman Branch	209 South Crescent Street	Gilman, IL 60938

Homer Branches
Homer Bank	134 South Main Street	Homer, IL 61849

Kansas Branches
Kansas Illinois Facility	101 S. Front Street	Kansas, IL 61933

Paris Branches
The Edgar County Bank and Trust Co., Paris, Illino	177 W Wood St	Paris, IL 61944
Drive-In Facility	212-214 North Main Street	Paris, IL 61944

Sidell Branches
Sidell Branch	504 North Chicago Street	Sidell, IL 61876

Watseka Branches
Watseka Branch	141 Veterans Parkway	Watseka, IL 60970

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