Prospect Bank
Paris, IL
IDRSSD: 738143
Total Assets
$675.95M
Latest filing
Total Deposits
$568.65M
Latest filing
Net Interest Margin
2.59%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071102827PARIS, IL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Prospect Bank
177 W Wood St
Paris, IL 61944
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/23/1873FDIC Certificate 2388
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Prospect Bank (Main) | 177 W Wood St | Paris, IL |
| SIDELL BRANCH | 504 N Chicago St | Sidell, IL |
| KANSAS ILLINOIS FACILITY | 101 S Front St | Kansas, IL |
| WATSEKA BRANCH | 141 N Veterans Pkwy | Watseka, IL |
| DRIVE-IN FACILITY | 212 N Main St | Paris, IL |
| BROCTON, ILLINOIS FACILITY | 301 W 3rd Street | Brocton, IL |
| ASHMORE ILLINOIS FACILITY | 10 W Ashmore St | Ashmore, IL |
| GILMAN BRANCH | 209 South Crescent Street | Gilman, IL |
Showing 7 of 10
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 | 03/23/1873 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61944 |
| State and County Number | 17045 |
| 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 | N/A |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 11 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankprospect.com |
| Data Updated | 01/30/2026 |
| CERT | 3722 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $675.95M |
| Total Deposits | $568.65M |
| Total Liabilities | $633.57M |
| Total Equity Capital | $42.38M |
| Net Income | $422.00k |
| Net Loans and Leases | $445.15M |
| Assets Per Employee ($Millions) | $7.04M |
| Bank Premises and Fixed Assets | $13.79M |
| Cash and Balances due from Depository Institutions | $6.83M |
| Deposits Held in Domestic Offices | $568.65M |
Key Performance Ratios
| Return on Assets (ROA) | 0.24% |
| Return on Equity (ROE) | 4.08% |
| Net Interest Margin | 2.59% |
| Efficiency Ratio | 96.4% |
| Tier 1 Risk-Based Capital Ratio | 12.82% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.27% |
| Earning Assets to total Assets | 93.57% |
Income and Expense
| Total Interest Income | $8.05M |
| Total Noninterest Income | $983.00k |
| Total Interest Expense | $3.87M |
| Total Noninterest Expense | $4.98M |
| Net Interest Income | $4.18M |
| Pre-tax Net Operating Income | $422.00k |
| Provision for Credit Losses | $-236,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.58M |
| Other borrowed funds | $32.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.12M |
| Federal Funds Purchased and Repurchased Agreement | $26.66M |
| All Other Liabilities | $5.76M |
| Total Liabilities and Capital | $675.95M |
Securities
| Securities | $182.82M |
| Available-for-sale debt securities | $179.06M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.76M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Prospect Bank?
$675.95M as of the latest filing.
How much are Prospect Bank's total deposits?
$568.65M in total deposits.
Where is Prospect Bank located?
Paris, IL.
What is the Net Interest Margin?
2.59%.
How many domestic offices does it operate?
11.
When was it established?
03/23/1873.
What is the Return on Assets (ROA)?
0.24%.
How much are total loans and leases?
$445.15M (latest filing).
What is the total interest income (latest filing)?
$8.05M.