BlastPoint's Banking Scorecard
Prospect Bank
Community
Specialty: Commercial
IL
FDIC cert 3722
Paris, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Prospect Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 9% in Community
- - Return on Assets 0.99% below tier
- - Net Interest Margin 1.18% below tier
- - Efficiency Ratio 36.90% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$676.0M
-6.8% YoY
-4.2% QoQ
|
-$715.5M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$445.1M
-10.6% YoY
+0.7% QoQ
|
-$530.3M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$568.7M
-5.5% YoY
-5.7% QoQ
|
-$596.0M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.17%
+193.3% YoY
+15.5% QoQ
|
-0.99% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.48%
+21.3% YoY
+1.8% QoQ
|
-1.18% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
99.53%
-3.6% YoY
-1.1% QoQ
|
+36.90% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.47%
+95.2% YoY
+87.3% QoQ
|
-0.15% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
78.28%
-5.4% YoY
+6.9% QoQ
|
-4.78% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
13.59%
-6.0% YoY
+13.3% QoQ
|
-7.45% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.70%
+41.0% YoY
+36.6% QoQ
|
+0.20% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
12.82%
+15.3% YoY
+0.6% QoQ
|
+2.58% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.53%
+5.4% YoY
+44.0% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Deposit Outflow
decline
#24 of 248 · Bottom 9% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.48%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
99.53%
(Tier avg: 62.63%, National avg: 65.09%)
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
56
56th pctile
Tier 1 Capital Ratio
Current: 12.82% · Tier avg: 10.24%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.28% · Tier avg: 83.06%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
25
25th pctile
Total Assets
Current: $676.0M · Tier avg: $1.4B
24
24th pctile
Total Deposits
Current: $568.7M · Tier avg: $1.2B
22
22th pctile
Total Loans
Current: $445.1M · Tier avg: $975.5M
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.59% · Tier avg: 21.05%
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
4
4th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 99.53% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 99.53% · Tier avg: 62.63%
4
4th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.59% · Tier avg: 21.05%
22
22th pctile
Total Loans
Current: $445.1M · Tier avg: $975.5M
24
24th pctile
Total Deposits
Current: $568.7M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $676.0M · Tier avg: $1.4B
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.28% · Tier avg: 83.06%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.82% · Tier avg: 10.24%