Bank · FDIC insured
Prairie Community Bank
A $187.5M bank headquartered in Marengo, IL, with 4 branches in Illinois. Best rates: CDs 3.75% and savings 0.60% APY.
Prairie Community Bank Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#79 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Prairie Community Bank
Established on April 2, 1998, as a locally owned and independent bank named Prairie State Bank, the institution opened as Prairie Community Bank on January 1, 2004.
- Headquarters
- 800 W Grant Hwy, Marengo, IL 60152
- FDIC certificate
- 34526 ↗
Branches
4 branches in Illinois
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Illinois
4 branches
- Prairie Community BankMain office800 W Grant Hwy, Marengo, IL 60152Directions
- Elgin Branch1000 S Mclean Blvd, Elgin, IL 60123Directions
- Jefferson Street Branch18001 Jefferson Street, Union, IL 60180Directions
- Woodstock Branch233 Main St, Woodstock, IL 60098Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.75% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.82% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.71% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio8.75%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.82%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.71%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Prairie Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.