# PROSPECT BANK
PARIS, IL · FDIC certificate 3722 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $715.6M | |
| Deposits | $603.4M | |
| Loans and leases | $473.2M | |
| Total equity | $43.5M | |
| Loans / deposits | 77.88% (p41 of band) | 82.04% |
| Liquid assets / assets | 29.08% (p62 of band) | |
| Uninsured deposits / deposits | 27.31% (p56 of band) | 25.97% |
| Brokered deposits | 13.97% | |
| Wholesale funding | 22.71% (p95 of band) | |
| FHLB advances / assets | 4.54% | |
| Tier 1 leverage | 8.50% (p6 of band) | 10.81% |
| Unrealized securities loss / equity | -47.80% (p5 of band) | -8.10% |
| AOCI / equity | 0.57% (p92 of band) | |
| ROA (annualized) | 0.26% (p6 of band) | 1.28% |
| Net interest margin | 2.73% (p6 of band) | 3.91% |
| Efficiency ratio | 92.60% (p96 of band) | |
| Noncurrent loans | 0.45% (p52 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 155.54% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 30.77% (p37 of band) | |
| Auto loans | $1.0M (0.22% of loans; DQ 5.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 98 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | wholesale funding >15%, capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | brokered >10% |  |
| 2016-06 | 1 |  | brokered >10% |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | brokered >10%, capital falling |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 3 | reserve under noncurrent |  |
| 2018-06 | 3 | capital falling | reserve under noncurrent |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2019-09 | 4 | capital falling | uninsured deposits leaving |
| 2019-12 | 3 |  | capital falling |
| 2020-03 | 2 |  | reserve under noncurrent |
| 2020-06 | 4 | capital falling, reserve under noncurrent |  |
| 2020-09 | 5 | noncurrent p90 |  |
| 2020-12 | 4 |  | noncurrent p90 |
| 2021-03 | 3 |  | reserve under noncurrent |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 6 | capital falling |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 5 |  | capital falling |
| 2023-03 | 7 | expense ratio p90, NIM <2.5%, deposits shrinking, uninsured deposits leaving | brokered >10%, AOCI drag >20% of equity |
| 2023-06 | 7 |  |  |
| 2023-09 | 8 | capital falling, losing money | uninsured deposits leaving |
| 2023-12 | 7 | brokered >10% | deposits shrinking, capital falling |
| 2024-03 | 6 |  | losing money |
| 2024-06 | 7 | losing money |  |
| 2024-09 | 8 | capital falling, charge-offs p90 | construction >100% equity |
| 2024-12 | 7 |  | capital falling |
| 2025-03 | 5 |  | losing money, charge-offs p90 |
| 2025-06 | 6 | assets shrinking |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 7 | deposits shrinking |  |
| 2026-03 | 4 |  | NIM <2.5%, assets shrinking, deposits shrinking |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-30 [Prospect Bank to take over Preferred Bank in Illinois - MyWabashValley.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPLUVtck9VVmtJR2cxS0w4RWJ3NUp1dFV5QVVieHYtSzU2NnI3UDVuWVRWMmNScVhnc3BWNGI2akR5aDZ6VnMwUHhIb0dGSVg0dXFWcUEzeXVmUWJoblJhUzU5VzlnNUxEUkN5UURkYTdKMHMyTUtralZYbVpWVmt6dTRnZFZxbFRDT0tXNTFnNkNEcDgy0gGaAUFVX3lxTE5RaUZWZnljOE8xQzJzR3p3eC0tbzMzbmI3YlRlZGhzbWYzanZVenJ1VlhVdFhELVlVaDNReV8yWS1sak81NlJUVDhvLUt6aThLVjBxZ0J6clhRLWRvM0p6NUROWElCa0lJcGNvdENIbDZJV2FKUzlPaVBhYmFUdTVNdVpWSk8tUG1fYlVPTE5kdTlIc0t6UDJhZnc?oc=5) · MyWabashValley.com
- 2025-07-07 [Indiana State Athletics announces major partnership with Prospect Bank - Indiana State University Athletics](https://news.google.com/rss/articles/CBMivgFBVV95cUxNS2tNQmVSRUtIWS1iWkJkbGxRQjBqekFIYUt2b3c0bW5BMmR0MkVQTjNyMTBoMG9NN0FQOXlLNGI0Y0t6THdwUWhXekFUWmM1N2tCcmFhbnExY0d2cmx6LTA1U3JDaTdoc0ZFZVYzQS13TG5Walk5dHJkWnRqM19NZmpyYnVTakx4X1NkQm9JWjhUNVRQT3liQlpFeG93dXhwY2hzWC1jNUZwVFdQa3BUR2taSVRjRlFUU01Ebmtn?oc=5) · Indiana State University Athletics
- 2026-07-31 [Vigo County youth football coach named Make a Difference Award winner - WTHI-TV](https://news.google.com/rss/articles/CBMipAFBVV95cUxPalp4WDhZVE02UWUtT2FEV2I4RHEzRTgxak1CMFA3SlZtTGYxcmN2eWpPTXhWQjVuYkUxaUNNOVFycHVmLXk4ZnVyUldjdDZxeFlTeTFmWTY5OVAwRENmdGtDQ1VzWDAxZDRyZkZZNG1zdEUzOVBJZWdfVENvNGMzd3lIdkRScmNwd2xGczMzZE0xSC1Ia3doTDdfbHRBa01yNzlsMtIBuAFBVV95cUxQRzBObXNSZU10WHBYOVJScUdzWTlrdHE3aGpEZkREWHhZRlBqa3hjTXE4QlVFRjZBU2NKUV94MEdXcDRyal9fckRoeFFzaW5YYi10SjFTN3VkN2VaX0sxMzNGM0tDYmRWdlNZcGVfT3RyRWhKQmFjUi1pMV9BLUgtZlRXUy1HQkNXVUlNMXlUSktJMV9VeHQwOFF1ZlZsVUR3ejBpUlFTSGx2aEhxNEo2bEpESDlSZ2RC?oc=5) · WTHI-TV
- 2026-03-30 [Edgar County Banc Shares Inc. to acquire Preferred Bancorp Inc. - Terre Haute Tribune-Star](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNbzZlcGVLVUVreHpsaXhkZHlUV3B2QlFuWTBzcG05akRFTm05dnVfUkJETm11T2lSb1dVY3Rfbk1JYzVZWFdyUHJyOWNlYkxRQU1zdlM5ZEJuZWFYQVZaTXZWNkE5aEtKeVhVQ2lUQ0RMcVlyX2paYUVLdl9icmJia2hlaXVQdi1wOFctTGo1RmpnYkhOMHUtZ2RUaDBrZm5ZN1Nrc1ZTdXFxZlVNTHVqUmRpWG1xN2F5TVIxUlFmT0JUSlhiMnI2RUdPZmJkTF9Ramc?oc=5) · Terre Haute Tribune-Star
- 2026-07-24 [Paris Athletic Hall of Fame seeking 2027 nominees - The Prairie Press](https://news.google.com/rss/articles/CBMikwFBVV95cUxONl95Vm96LUlmaVp2dFRkODlaNkczeGZEUi1EelY4ZjZMYThvNVNmZ0w4TDJ2bDcwZVdmRHVPc3p6Q1JacnY5cG9CaGlMVXBDN2pRaFNweUYxUGRJWm1LUngyWjlBS1F2UXFoU2I2T3VjSzJTRjVhNGZRSHNsTlJCWm1Edk5ZNnhabXN1V3JwTl9kZFU?oc=5) · The Prairie Press
- 2026-06-05 [Sullivan County Brown Baggers coordinator wins June Make A Difference Award - WTHI-TV](https://news.google.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?oc=5) · WTHI-TV
- 2025-10-29 [Phyllis Daves Obituary (2025) - Paris, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOTVdiMkxIckFtNm5wZzduWGFrc2dPdUNCSHBFeW42TzlUN0s1dm94V3NDYXlwOW9URFZINTExZ0tVQWxYOE5tMmU0RmVRRE9FOHlSbEVaeFhsVDlpTEtRdXVuajRMZDg2YkVMTmh4WG5aOHZRb2FJQmFGbGhlYmVEOU9uYWJfYlpoX0xaU2tWRFNNVEE?oc=5) · legacy.com
- 2022-12-31 [Beyond the Boardroom: First State Bank's Becky Preston - The News-Gazette](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPWDNxZ2JOc3NCZC10ckhqTW4yNld1TFd3MVB5TEdzdXFHMnhzdXdCSjRHcDA3YmhZT3pOMnQtME16VFBrMzJFQjk2OWI0WlhLekpUb04wZW5TSUdueWd2N1JmbjJWMUktQUY5VU9JVGJSTTZwVWRaMzhxcWJJMVMtankwZWthYjBfQnVfWVhUa0czZTB4am9RXzc5QS1hU2M1clUxWjlnc29pOTFhNnhtekQ0ZzhqdGE4SklQb2pkWFl6VlNfaHh5SkF0RWt2NTlqNFk4Y1YxcVhhR0haSThkRzBB?oc=5) · The News-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3722 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "3722", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide