Prospect Bank is a bank based in Paris, Illinois, established in 1873, with $701 million in total assets across 11 branches. By Trust Grade it ranks 318th of 328 banks we track in Illinois. Its capital ratio of 6.0% trails most similarly sized banks (3th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 0.17% return on assets. Consumers filed 1 complaints about Prospect Financial Group, Inc with the CFPB — 1.4 per $1B in assets, a lower rate than 94% of peers.
How Prospect Bank compares to Illinois peers
How we graded Prospect Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (6.0% capital ratio)
- Profitable (ROA 0.17%)
- 1.4 complaints per $1B in assets
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
1 complaints filed with the CFPB against Prospect Financial Group, Inc — 1.4 per $1B in assets.
These records were matched to Prospect Bank by name and may include complaints filed against other institutions with similar names. Complaint counts reflect what consumers reported to the CFPB and are not findings of wrongdoing. Report a mismatch →
Branch locations (11)
- 504 N Chicago St, Sidell, IL 61876
- 101 S Front St, Kansas, IL 61933
- 141 N Veterans Pkwy, Watseka, IL 60970
- 212 N Main St, Paris, IL 61944
- 301 W 3rd Street, Brocton, IL 61917
- 10 W Ashmore St, Ashmore, IL 61912
- 209 South Crescent Street, Gilman, IL 60938
- 134 S Main St, Homer, IL 61849
- 177 W Wood St, Paris, IL 61944
- 1601 S Prospect Ave, Champaign, IL 61820
- 2609 Poplar St, Terre Haute, IN 47803
Are deposits at Prospect Bank insured?
Yes. Prospect Bank is an FDIC-insured bank (FDIC certificate #3722). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Prospect Bank: frequently asked questions
Is Prospect Bank a good bank?
Prospect Bank earns a Bankzia Trust Grade of C (77/100, "Average"), based on a financial-strength score of 77/100 and a customer-experience score of 85.46000000000001/100. Well-capitalized (6.0% capital ratio); Profitable (ROA 0.17%).
Is Prospect Bank FDIC-insured?
Yes. Prospect Bank is a FDIC-insured bank (FDIC certificate #3722). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Prospect Bank?
Prospect Bank holds $701 million in total assets, ranking 318th of 328 banks we track in Illinois. It operates 11 branches.
How many complaints does Prospect Bank have?
Consumers filed 1 complaints about Prospect Financial Group, Inc with the CFPB, or 1.4 per $1B in assets.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
