EDGAR COUNTY BANC SHARES INC is the bank holding company. PROSPECT BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

EDGAR COUNTY BANC SHARES INC

Legal name: EDGAR COUNTY BANC SHARES, INC.

1 active bank · $701M combined assets

RSSD ID: 2577766 (FFIEC NIC)

Combined Assets

$701M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankPROSPECT BANKPARIS, ILSatisfactory$701MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$701M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$593M

Net Income

$299K

ROA (avg)

0.17%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

125

Origination Rate

81.6%

Denial Rate

5.6%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
PROSPECT BANK	PARIS, IL	FDIC	$701M	100.0%	Satisfactory	Mar 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.