PROSPECT BANK
PARIS, ILLINOIS · FDIC Cert #3722
Capital & Safety Analysis
According to FDIC financial data, PROSPECT BANK holds a Tier 1 capital ratio of 10.56%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning PROSPECT BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
PROSPECT BANK shows strong financial health indicators. With $744M in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
PROSPECT BANK has a Bank Health Score of B (68/100). It holds a Tier 1 capital ratio of 10.56%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
PROSPECT BANK holds $744M in total assets and $542M in total deposits. It is located in PARIS, ILLINOIS (FDIC Certificate #3722).
PROSPECT BANK has a Tier 1 capital ratio of 10.56%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.03%, and the return on assets is -0.47%.
Yes. PROSPECT BANK is FDIC-insured (Certificate #3722). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.