Prospect Bank: Bank Stress & Real-Estate Credit Exposure

Prospect Bank (FDIC Cert #3722) carries a DLRadar bank-stress score of 96/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its lending reaches counties such as Champaign County, IL, Iroquois County, IL, Vermilion County, IL, Vigo County, IN, each tied back to DLRadar's distress signals. Because Prospect Bank is held under Edgar County Banc Shares Inc, its financials are open to scrutiny and its trend can be independently checked. DLRadar maps Prospect Bank into 6 counties (129 ZIP codes) across 2 states — a compact, regionally concentrated lending base. Its heaviest exposure sits in Illinois (5 counties), Indiana (1 county). No bank is too small to score the same way: Prospect Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 6-county, 129-ZIP profile means exactly what it would for any institution nationwide. Rather than a standalone rating, the severe score is tied to real markets — every one of the 129 ZIP codes Prospect Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Read against its 6-county reach, a severe score sets the credit tone for every market on its map. What separates this from a plain credit rating is the geographic weighting — Prospect Bank's 96/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Prospect Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.