Prospect Bank

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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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

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.39%

Our Rating

3.6 / 5

Valley National Bank

High-Yield Savings Account Via Raisin

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Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

4.25%

Our Rating

3.7 / 5

Sallie Mae Bank

14 Month High-Yield CD Via Raisin

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Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

up to $300

Our Rating

4.3 / 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 70^th largest bank in the state of Illinois. It is also the 1,343^rd largest bank in the nation. It was established in 1873 and as of December of 2024, it had grown to 87 employees at 11 locations. Prospect Bank has a B health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3722
Year Established	1873
Employees	87
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.19%
Return on Equity - YTD	-4.3%
Annual Interest Income	$33.5MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$724.9MM$734.8MM
Loans	Q4 2024vs Q4 2023	$498.1MM$495.6MM
Deposits	Q4 2024vs Q4 2023	$601.8MM$550.9MM
Equity Capital	Q4 2024vs Q4 2023	$32.6MM$30.2MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$4.6MM$5.3MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.2MM$1.4MM
Real Estate Owned	Q4 2024vs Q4 2023	$2.4MM$62K

TODAY'S FEATURED RATES

Member FDIC

4.54%

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

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.39%

Our Rating

3.6 / 5

Valley National Bank

High-Yield Savings Account Via Raisin

See Offer

Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

4.25%

Our Rating

3.7 / 5

Sallie Mae Bank

14 Month High-Yield CD Via Raisin

See Offer

Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

up to $300

Our Rating

4.3 / 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

Rates for Prospect Bank are currently being reviewed.

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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