Prairie State Bank and Trust
Springfield, IL
IDRSSD: 1222948
Total Assets
$805.67M
Latest filing
Total Deposits
$701.40M
Latest filing
Net Interest Margin
4.05%
Profitability
Key People
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Locations
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Main Office
Prairie State Bank and Trust
3751 Wabash Ave
Springfield, IL 62711
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/04/1988FDIC Certificate 39681
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Prairie State Bank and Trust (Main) | 3751 Wabash Ave | Springfield, IL |
| CHARLESTON BRANCH | 621 W Lincoln Ave | Charleston, IL |
| LEWISTOWN BRANCH | 105 W Lincoln Ave | Lewistown, IL |
| SPRINGFIELD BRANCH | 1001 S Durkin Dr | Springfield, IL |
| ILLIOPOLIS BRANCH | 211 Dye Rd | Illiopolis, IL |
| FARMERSVILLE BRANCH | 601 Main Street | Farmersville, IL |
| VIRDEN DRIVE UP FACILITY | 603 N Springfield St | Virden, IL |
| GIRARD FACILITY | 402 N 3rd St | Girard, IL |
Showing 7 of 17
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/04/1988 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62711 |
| State and County Number | 17167 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Springfield, IL |
Operational Info
| Number of Employees | 122 |
| Domestic Offices | 18 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/04/1988 |
| Primary Insurance Agency | DIF |
| Website | www.psbank.net |
| Data Updated | 01/30/2026 |
| CERT | 27362 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $805.67M |
| Total Deposits | $701.40M |
| Total Liabilities | $706.10M |
| Total Equity Capital | $99.58M |
| Net Income | $3.06M |
| Net Loans and Leases | $557.73M |
| Assets Per Employee ($Millions) | $6.25M |
| Bank Premises and Fixed Assets | $11.24M |
| Cash and Balances due from Depository Institutions | $41.33M |
| Deposits Held in Domestic Offices | $701.40M |
Key Performance Ratios
| Return on Assets (ROA) | 1.53% |
| Return on Equity (ROE) | 12.44% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 58.75% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.359% |
| Earning Assets to total Assets | 96.1% |
Income and Expense
| Total Interest Income | $9.77M |
| Total Noninterest Income | $1.00M |
| Total Interest Expense | $1.95M |
| Total Noninterest Expense | $5.18M |
| Net Interest Income | $7.82M |
| Pre-tax Net Operating Income | $3.16M |
| Provision for Credit Losses | $479.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.32M |
| All Other Liabilities | $3.37M |
| Total Liabilities and Capital | $805.67M |
Securities
| Securities | $183.61M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $183.61M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Prairie State Bank and Trust?
$805.67M as of the latest filing.
How much are Prairie State Bank and Trust's total deposits?
$701.40M in total deposits.
Where is Prairie State Bank and Trust located?
Springfield, IL.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
18.
When was it established?
11/04/1988.
What is the Return on Assets (ROA)?
1.53%.
How much are total loans and leases?
$557.73M (latest filing).
What is the total interest income (latest filing)?
$9.77M.