Prairie State Bank and Trust: how it compares with its peers
Against 75 IL banks with half to twice its assets, Prairie State Bank and Trust's strongest measure in Q2 2026 is return on assets (1.58% vs. a 1.13% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $7.7M).
| Measure | Prairie State Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.13% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.69% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.18% | 62.75% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.7M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.91% | 78.43% | Context |
What it means for lending operations
Its efficiency ratio of 60.18% is better than the 62.75% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Millennium Bank Des Plaines, IL · $844M
- CIBM Bank Champaign, IL · $820M
- Resource Bank, National Association Dekalb, IL · $869M
- Liberty Bank for Savings Chicago, IL · $869M
- Sauk Valley Bank & Trust Company Sterling, IL · $791M
- First Savings Bank of Hegewisch Chicago, IL · $787M
Questions about Prairie State Bank and Trust
How big is Prairie State Bank and Trust?
Prairie State Bank and Trust, established in 1988, is headquartered in Springfield, IL. It reported $840M in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Prairie State Bank and Trust's return on assets?
1.58% annualized in Q2 2026, against a 1.13% median for 75 IL banks with half to twice its assets, ahead of 81% of them.
What is Prairie State Bank and Trust's efficiency ratio?
60.18% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 62.75%, and lower is better.
Is Prairie State Bank and Trust growing its loans?
Net loans grew 0.0% over the year to Q2 2026, while deposits grew 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.