🏦Bank Scorer

PROSPECT BANK

PARIS, IL · Supervised by FDIC

Est. 1873FDIC #3,722RSSD: FDIC-3722
Part ofEDGAR COUNTY BANC SHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.17%

Institution Profile

FDIC BankFind

Address

177 W Wood St, PARIS, IL

County

Edgar County

Established

March 23, 1873

Total Assets

$701M(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

March 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$701M

Total Deposits

$593M

Net Loans

$444M

Net Income

$299K

ROA

0.17%

ROE

2.84%

Risk-Based Capital

13.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$589M

1-Year Change

+1

5-year net change: +2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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