D
Prairie State Bank & Trust
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Prairie State Bank & Trust
Springfield, IL
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Rating D
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 4.70
Stability Index 3.70
Company Info Prairie State Bank & Trust
Springfield, IL
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FDIC Number 27362
Phone Number (217) 993-6260
Website www.psbank.net
Asset Quality Prairie State Bank & Trust
Springfield, IL
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1-Year Asset Growth -0.12%
5-Year Asset Growth 2.48%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 1.63%
Non-Performing Loans to Loans 0.27%
Balance Sheet Prairie State Bank & Trust
Springfield, IL
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Total Assets 801.71M
Total Deposits 698.53M
Capital and Reserves Prairie State Bank & Trust
Springfield, IL
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Capital 96.81M
Leverage Ratio 12.33
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio --
Liquidity Prairie State Bank & Trust
Springfield, IL
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Hot Money Ratio 10.80%
Liquidity Ratio 12.13%
Profitability Prairie State Bank & Trust
Springfield, IL
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5-Year Return on Average Assets 1.24%
Net Income 4.23M
Net Interest Spread 3.50%
Operating Profit to Average Assets 1.16%
Overhead Efficiency Ratio 68.73%
Return on Assets 1.08%
Return on Equity 8.80%