D
Prairie State Bank & Trust
Rating Date
June 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 8.30
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 4.30
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 3.16%
5-Year Asset Growth 2.48%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 1.12%
Non-Performing Loans to Loans 0.21%
Balance Sheet Prairie State Bank & Trust
Springfield, IL
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Total Assets 794.69M
Total Deposits 693.19M
Capital and Reserves Prairie State Bank & Trust
Springfield, IL
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Capital 95.53M
Leverage Ratio 12.28
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio --
Liquidity Prairie State Bank & Trust
Springfield, IL
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Hot Money Ratio 10.98%
Liquidity Ratio 15.35%
Profitability Prairie State Bank & Trust
Springfield, IL
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5-Year Return on Average Assets 1.24%
Net Income 1.71M
Net Interest Spread 3.36%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 73.57%
Return on Assets 0.88%
Return on Equity 7.11%