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Prairie State Bank and Trust

$100M-$1B Specialty: Commercial IL FDIC cert 27362

Springfield, IL

19 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +4.5% year over year ($730.2M on the books).
  • Delinquency rate 0.53%.
  • Return on assets 1.58%.
  • Efficiency ratio 60.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.91% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Prairie State Bank and Trust has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.25% above tier average
  • + Net Interest Margin 0.06% above tier average
  • + Efficiency Ratio 4.30% below tier average
  • + Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 40.0% in tier
Get updates when Prairie State Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $840.1M
+4.8% YoY +4.2% QoQ
+$453.5M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 6.1% in tier
Total Loans ? $547.0M
-0.0% YoY +0.2% QoQ
+$288.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 8.2% in tier
Total Deposits ? $730.2M
+4.5% YoY +4.2% QoQ
+$403.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 4.9% in tier
Return on Assets ? 1.58%
+47.2% YoY +9.8% QoQ
+0.25% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 4.04%
+15.7% YoY +1.7% QoQ
+0.06% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 60.18%
-12.5% YoY -3.1% QoQ
-4.30% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
57%
Delinquency Rate ? 0.53%
+73.9% YoY +100.8% QoQ
-0.39% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
45%
Loan-to-Deposit Ratio ? 74.91%
-4.4% YoY -3.8% QoQ
-3.04% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 22.60%
-2.1% YoY -9.2% QoQ
+0.57% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 0.35%
+65.9% YoY +93.2% QoQ
-0.32% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 12.39%
+0.5% YoY +0.7% QoQ
-3.52% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.20%
-2.8% YoY +99.1% QoQ
-0.37% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
50%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 22.6%
-0.5pp YoY
-2.3pp QoQ
 +0.5pp 22.1% 20.1% 22.2% 57%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 8.0% 8.5% 1%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 11.1%
-0.2pp YoY
-0.3pp QoQ
 -0.5pp 11.6% 14.7% 12.5% 59%
CRE 47.6%
+0.6pp YoY
+1.2pp QoQ
 +8.1pp 39.5% 37.9% 41.4% 66%
1-4 Family 21.0%
-0.1pp YoY
-0.1pp QoQ
 -11.6pp 32.6% 28.3% 31.3% 32%
Consumer 0.7%
-0.3pp YoY
0.0pp QoQ
 -3.4pp 4.1% 5.4% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 12.4%
+0.1pp YoY
+0.1pp QoQ
 +0.2pp 12.2% 12.2% 12.6% 69%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 133
-5 (-3.6%) YoY
+2 (+1.5%) QoQ
 +74 58 228 482 96%
Assets per Employee ($) $6.3M
+8.7% YoY
+2.6% QoQ
 -$1.2M $7.5M $8.3M $8.8M 39%
Branch Count 19
+1 (+5.6%) YoY
+1 (+5.6%) QoQ
 +14 4 10 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 1%
Nonaccrual 0.5%
+0.3pp YoY
+0.3pp QoQ
 -0.4pp 0.9% 1.1% 1.0% 54%
Allowance Coverage 2.00x
-40.4% YoY
-50.3% QoQ
 -22.15x 24.15x 5.62x 20.23x 48%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 12.9%
+4.1pp YoY
+1.2pp QoQ
 +0.7pp 12.2% 10.5% 11.6% 55%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 9%
Net Income ($, YTD) $6.4M
+52.5% YoY
— QoQ
 +$3.9M $2.6M $11.7M $40.4M 93%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#503 of 1256 • Bottom 40.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.53%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

131
Total Deposits
size
Value: $730.17M
Peer Median: $326.73M
#131 of 2643 Top 4.9% in $100M-$1B
163
Total Assets
size
Value: $840.08M
Peer Median: $386.57M
#163 of 2643 Top 6.1% in $100M-$1B
219
Total Loans
size
Value: $547.00M
Peer Median: $258.35M
#219 of 2643 Top 8.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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