Prospect Bank (FDIC #3722): Bank Stress & Real-Estate Credit Exposure
Prospect Bank (FDIC Cert #3722): bank stress 96/100, severe, STABLE over 7 days; parent EDGAR COUNTY BANC SHARES INC.
Prospect Bank (#3722) lends in 6 counties across 2 states; Prospect Bank (#3722) reaches 129 ZIP codes: Illinois 5 counties, 109 ZIPs; Indiana 1 county, 20 ZIPs.
Prospect Bank (#3722) largest markets: Champaign County, IL (70 branches, 35 ZIPs) (#3722), Iroquois County, IL (56 branches, 28 ZIPs) (#3722), Vermilion County, IL (27 branches, 27 ZIPs) (#3722), Vigo County, IN (20 branches, 20 ZIPs) (#3722), Coles County, IL (16 branches, 16 ZIPs) (#3722), Edgar County, IL (60 branches, 15 ZIPs) (#3722).
Prospect Bank (#3722) reports $715.6 million in total assets; Prospect Bank (#3722) equity $43.5 million (6.1% of Prospect Bank (#3722) assets); Prospect Bank (#3722) domestic deposits $603.4 million; Prospect Bank (#3722) net income $911,000; Prospect Bank (#3722) return on assets 0.26%; Prospect Bank (#3722) return on equity 4.28%; Prospect Bank (#3722) net interest income $8.9 million; Prospect Bank (#3722) call report June 30, 2026.
Prospect Bank (#3722) noncurrent real-estate loans 0.01% of its book; Prospect Bank (#3722) residential 0.04%; Prospect Bank (#3722) net charge-offs on real estate 0.44%; Prospect Bank (#3722) residential charge-offs 0.63%.
Prospect Bank (#3722) net interest margin 2.73% against an eight-quarter Prospect Bank (#3722) average of 2.39% (Prospect Bank (#3722) compression -0.34 points); Prospect Bank (#3722) real-estate loans 0.5% of equity; Prospect Bank (#3722) non-residential real estate 63.2% of equity; Prospect Bank (#3722) rate-exposure score 40/100, Prospect Bank (#3722) fixed-rate trap 40/100; Prospect Bank (#3722) risk type credit driven; Prospect Bank (#3722) rate regime rates elevated, Prospect Bank (#3722) snapshot October 19, 2026.
Prospect Bank (#3722) stress score moved from 96.6 on June 22, 2026 to 95.9 on October 19, 2026; Prospect Bank (#3722) ranged 95.9 to 96.6 over 116 snapshots.
Prospect Bank (#3722) alerts: 6 counties; top Prospect Bank (#3722) alert scores: Ashmore County, IL 32 (low); Homer County, IL 32 (low); Paris County, IL 32 (low); Sidell County, IL 32 (low); Terre Haute County, IL 32 (low).