Bank · FDIC insured
Prospect Bank
A $715.6M bank headquartered in Paris, IL, with 11 branches in 2 states. Best rates: CDs 4.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.20%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Prospect Bank
Headquartered in Paris, Illinois, Prospect Bank was established in 1873 as Edgar County Bank before adopting its current name.
The bank operates ten locations serving communities across central Illinois as well as Terre Haute, Indiana.
- Headquarters
- 177 W Wood St, Paris, IL 61944
- FDIC certificate
- 3722 ↗
Branches
11 branches in 2 states
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Illinois
10 branches
Paris area · 2
- Prospect BankMain office177 W Wood St, Paris, IL 61944Directions
- Drive-In Facility212 N Main St, Paris, IL 61944Directions
Ashmore area · 1
- Ashmore Illinois Facility10 W Ashmore St, Ashmore, IL 61912Directions
Brocton area · 1
- Brocton, Illinois Facility301 W 3rd Street, Brocton, IL 61917Directions
Champaign area · 1
- Champaign Branch1601 S Prospect Ave, Champaign, IL 61820Directions
Gilman area · 1
- Gilman Branch209 South Crescent Street, Gilman, IL 60938Directions
Homer area · 1
- Homer Bank134 S Main St, Homer, IL 61849Directions
Kansas area · 1
- Kansas Illinois Facility101 S Front St, Kansas, IL 61933Directions
Sidell area · 1
- Sidell Branch504 N Chicago St, Sidell, IL 61876Directions
Watseka area · 1
- Watseka Branch141 N Veterans Pkwy, Watseka, IL 60970Directions
Indiana
1 branch
- Terre Haute Branch2609 Poplar St, Terre Haute, IN 47803Directions
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 | 8.50% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.45% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.26% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $78 | $81 | — |
- CapitalLeverage ratio8.50%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.45%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.26%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$78Peers’ 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 Prospect Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.