Bank · FDIC insured
Prairie State Bank and Trust
A $840.1M bank headquartered in Springfield, IL, with 19 branches in Illinois.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Prairie State Bank and Trust
Prairie State Bank & Trust operates across Central Illinois.
The bank is owned by American Central Bancorp, Inc.
- Headquarters
- 3751 Wabash Ave, Springfield, IL 62711
- FDIC certificate
- 27362 ↗
Branches
19 branches in Illinois
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Illinois
19 branches
Springfield area · 3
- Prairie State Bank and TrustMain office3751 Wabash Ave, Springfield, IL 62711Directions
- Springfield Branch1001 S Durkin Dr, Springfield, IL 62704Directions
- Toronto Road Branch1361 Toronto Rd, Springfield, IL 62712Directions
Decatur area · 2
- Decatur Il Drive-Thru Branch4485 E Us Route 36, Decatur, IL 62521Directions
- Pershing Road Branch1000 W Pershing Rd, Decatur, IL 62526Directions
Virden area · 2
- Virden Branch201 E Jackson St, Virden, IL 62690Directions
- Virden Drive Up Facility603 N Springfield St, Virden, IL 62690Directions
Bloomington area · 1
- Bloomington-Trinity Lane Branch1101 Trinity Ln, Bloomington, IL 61704Directions
Charleston area · 1
- Charleston Branch621 W Lincoln Ave, Charleston, IL 61920Directions
Farmersville area · 1
- Farmersville Branch601 Main Street, Farmersville, IL 62533Directions
Girard area · 1
- Girard Facility402 N 3rd St, Girard, IL 62640Directions
Illiopolis area · 1
- Illiopolis Branch211 Dye Rd, Illiopolis, IL 62539Directions
Jacksonville area · 1
- Morton Street Office1052 W Morton Ave, Jacksonville, IL 62650Directions
Lewistown area · 1
- Lewistown Branch105 W Lincoln Ave, Lewistown, IL 61542Directions
Mattoon area · 1
- Mattoon Branch2121 Western Ave, Mattoon, IL 61938Directions
Meredosia area · 1
- Meredosia Branch100 Main Street, Meredosia, IL 62665Directions
Mount Zion area · 1
- Mount Zion Branch340 W Main St, Mount Zion, IL 62549Directions
Quincy area · 1
- Prairie State Bank And Trust Branch2600 Broadway St, Quincy, IL 62301Directions
Savoy area · 1
- Savoy Branch410 W Curtis Rd, Savoy, IL 61874Directions
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 | 12.39% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.52% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.58% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio12.39%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.52%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.58%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ 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 State Bank and Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.