Prairie State Bank&Trust (FDIC #27362): Bank Stress & Real-Estate Credit Exposure
Prairie State Bank&Trust (FDIC Cert #27362): bank stress 52/100, moderate, STABLE over 7 days; parent AMERICAN CNTL FINL GROUP INC.
Prairie State Bank&Trust (#27362) lends in 10 counties across 1 state; Prairie State Bank&Trust (#27362) reaches 244 ZIP codes: Illinois 10 counties, 244 ZIPs.
Prairie State Bank&Trust (#27362) largest markets: Champaign County, IL (35 branches, 35 ZIPs) (#27362), Mclean County, IL (33 branches, 33 ZIPs) (#27362), Sangamon County, IL (120 branches, 30 ZIPs) (#27362), Macoupin County, IL (84 branches, 28 ZIPs) (#27362), Montgomery County, IL (28 branches, 28 ZIPs) (#27362), Macon County, IL (81 branches, 27 ZIPs) (#27362).
Prairie State Bank&Trust (#27362) reports $840.1 million in total assets; Prairie State Bank&Trust (#27362) equity $101.3 million (12.1% of Prairie State Bank&Trust (#27362) assets); Prairie State Bank&Trust (#27362) domestic deposits $730.2 million; Prairie State Bank&Trust (#27362) net income $6.4 million; Prairie State Bank&Trust (#27362) return on assets 1.58%; Prairie State Bank&Trust (#27362) return on equity 12.87%; Prairie State Bank&Trust (#27362) net interest income $15.9 million; Prairie State Bank&Trust (#27362) call report June 30, 2026.
Prairie State Bank&Trust (#27362) noncurrent real-estate loans: none reported; Prairie State Bank&Trust (#27362) residential -0.03%; Prairie State Bank&Trust (#27362) net charge-offs on real estate 0.44%; Prairie State Bank&Trust (#27362) residential charge-offs 1.01%.
Prairie State Bank&Trust (#27362) net interest margin 4.04% against an eight-quarter Prairie State Bank&Trust (#27362) average of 3.59% (Prairie State Bank&Trust (#27362) compression -0.45 points); Prairie State Bank&Trust (#27362) non-residential real estate 101.1% of equity; Prairie State Bank&Trust (#27362) rate-exposure score 40/100, Prairie State Bank&Trust (#27362) fixed-rate trap 40/100; Prairie State Bank&Trust (#27362) risk type credit driven; Prairie State Bank&Trust (#27362) rate regime rates elevated, Prairie State Bank&Trust (#27362) snapshot October 20, 2026.
Prairie State Bank&Trust (#27362) stress score moved from 52.1 on June 22, 2026 to 51.8 on October 20, 2026; Prairie State Bank&Trust (#27362) ranged 51.8 to 52.1 over 117 snapshots.
Prairie State Bank&Trust (#27362) alerts: 10 counties; top Prairie State Bank&Trust (#27362) alert scores: Bloomington County, IL 21 (low); Farmersville County, IL 21 (low); Lewistown County, IL 21 (low); Mattoon County, IL 21 (low); Meredosia County, IL 21 (low).