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 0.20
Profitability Index 5.50
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 2.87%
5-Year Asset Growth 2.48%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.20%
Non-Performing Loans to Capital 1.60%
Non-Performing Loans to Loans 0.30%
Balance Sheet Prairie State Bank & Trust
Springfield, IL
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Total Assets 801.75M
Total Deposits 699.00M
Capital and Reserves Prairie State Bank & Trust
Springfield, IL
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Capital 97.51M
Leverage Ratio 12.14
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio --
Liquidity Prairie State Bank & Trust
Springfield, IL
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Hot Money Ratio 11.20%
Liquidity Ratio 13.17%
Profitability Prairie State Bank & Trust
Springfield, IL
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5-Year Return on Average Assets 1.24%
Net Income 7.58M
Net Interest Spread 3.62%
Operating Profit to Average Assets 1.36%
Overhead Efficiency Ratio 65.22%
Return on Assets 1.28%
Return on Equity 10.48%