🏦Bank Scorer

PRAIRIE STATE BANK AND TRUST

SPRINGFIELD, IL · Supervised by FDIC

Est. 1988FDIC #27,362RSSD: FDIC-27362
Part ofAMERICAN CENTRAL BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.44%

Institution Profile

FDIC BankFind

Address

3751 Wabash Ave, SPRINGFIELD, IL

County

Sangamon County

Established

November 4, 1988

Total Assets

$806M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$806M

Total Deposits

$700M

Net Loans

$546M

Net Income

$3M

ROA

1.44%

ROE

11.62%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.14%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$699M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202431490.45%4.14%
202332390.71%4.02%
202249387.83%3.04%
20211,07789.42%4.64%
20201,57286.96%6.55%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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