Prospect Bank
Paris, IL · Owner: Edgar County Banc Shares Inc
$716M
total assets, June 30, 2026
$716M
total assets, June 30, 2026
Prospect Bank is a state nonmember bank based in Paris, IL, owned by Edgar County Banc Shares Inc. As of June 30, 2026 it held $715.6 million in assets and $603.4 million in deposits; assets were up 3.9% from a year before. It has 11 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$716M
+3.9% in a year · +2.0% in a quarter
Deposits
$603M
+2.4% in a year · +1.8% in a quarter
Loans
$473M
0.0% in a year · +5.7% in a quarter
Profit so far
$911K
Jan 1 to Jun 30, 2026 · -9.5% in a year
Capital ratio
8.50%
+0.12 pts in a year
Return on assets
0.26%
-0.02 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 177 W Wood St, Paris, IL, 61944
- County
- Edgar
- Holding company
- Edgar County Banc Shares Inc
- Established
- Mar 23, 1873
- Employees
- 98
- Branches
- 11 in 2 states
- Website
- www.bankprospect.com
- Id
- b3722
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
11 offices as of June 30, 2026, holding $603.4 million in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| Prospect Bank (main office) | Paris, IL | $264M |
| Champaign Branch | Champaign, IL | $96.6M |
| Gilman Branch | Gilman, IL | $73.6M |
| Watseka Branch | Watseka, IL | $36.5M |
| Homer Bank | Homer, IL | $28.9M |
| Ashmore Illinois Facility | Ashmore, IL | $25.6M |
| Kansas Illinois Facility | Kansas, IL | $24.6M |
| Terre Haute Branch | Terre Haute, IN | $23.5M |
| Sidell Branch | Sidell, IL | $18.5M |
| Brocton, Illinois Facility | Brocton, IL | $11.2M |
Related pages
Questions and answers
How big is Prospect Bank?
$715.6 million in total assets and $603.4 million in deposits as of June 30, 2026, with assets up 3.9% from a year before. Its loans were $473.2 million.
How many branches does Prospect Bank have?
11 branches in 2 states as of June 30, 2026. The most deposits are in Illinois ($579.9 million).
Is Prospect Bank profitable?
Yes: it earned $911,000 from January 1 to June 30, 2026 (down 9.5% from the same months a year before). Its return on assets was 0.26% a year; about 1% is typical.
Who owns Prospect Bank?
Prospect Bank is owned by Edgar County Banc Shares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.