BlastPoint's Banking Scorecard
Prairie State Bank and Trust
Community
Specialty: Commercial
IL
FDIC cert 27362
Springfield, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Prairie State Bank and Trust faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16% in Community
- - Credit Risk Growth: Bottom 29% in Community
- - Capital Thin: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$805.7M
+4.7% YoY
+0.5% QoQ
|
-$585.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$557.7M
+7.5% YoY
+1.7% QoQ
|
-$417.7M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$701.4M
+4.9% YoY
+0.3% QoQ
|
-$463.2M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.34%
+34.0% YoY
+5.0% QoQ
|
+0.18% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.74%
+14.7% YoY
+2.9% QoQ
|
+0.07% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
63.46%
-11.1% YoY
-2.7% QoQ
|
+0.82% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.25%
+12.3% YoY
-17.4% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
79.52%
+2.4% YoY
+1.3% QoQ
|
-3.55% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
23.98%
+4.8% YoY
+1.4% QoQ
|
+2.93% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.17%
+15.3% YoY
-16.5% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.48%
-6.4% YoY
+34.8% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Quality Pressure
risk
#129 of 808 · Bottom 16% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#185 of 642 · Bottom 29% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#202 of 432 · Bottom 47% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.98% · Tier avg: 21.05%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
65
65th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.52% · Tier avg: 83.06%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
46
46th pctile
Efficiency Ratio
Current: 63.46% · Tier avg: 62.63%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
38
38th pctile
Total Deposits
Current: $701.4M · Tier avg: $1.2B
37
37th pctile
Total Loans
Current: $557.7M · Tier avg: $975.5M
35
35th pctile
Total Assets
Current: $805.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Total Assets
Current: $805.7M · Tier avg: $1.4B
37
37th pctile
Total Loans
Current: $557.7M · Tier avg: $975.5M
38
38th pctile
Total Deposits
Current: $701.4M · Tier avg: $1.2B
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
46
46th pctile
Efficiency Ratio
Current: 63.46% · Tier avg: 62.63%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.52% · Tier avg: 83.06%
65
65th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.98% · Tier avg: 21.05%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%