This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Decatur, IL
Health score
79.1
Total assets
$717.5M
Bank
Paris, IL
Health score
65.6
Total assets
$715.6M
Answer first
Hickory Point Bank and Trust leads on financial health and capitalization and profitability and lending quality; Prospect Bank leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Hickory Point Bank and Trust
Higher TFS health score
Capitalization
Hickory Point Bank and Trust
Higher comparable capital ratio
Profitability
Hickory Point Bank and Trust
Higher return on assets
Lending quality
Hickory Point Bank and Trust
Lower problem-loan measure
Growth
Prospect Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Hickory Point Bank and Trust | Prospect Bank |
|---|---|---|
| TFS health score | 79.1/100Leads | 65.6/100 |
| Total assets | $717.5M | $715.6M |
| Total deposits / shares | $626.8M | $603.4M |
| Tier 1 capital ratio | 11.04%Leads | 8.50% |
| Return on assets | 1.22%Leads | 0.26% |
| Return on equity | 11.24%Leads |
Hickory Point Bank and Trust
8 branches
Prospect Bank
11 branches
Both institutions report branches in 1 state: IL.
Hickory Point Bank and Trust
Unavailable
Prospect Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Hickory Point Bank and Trust
0 in TFS registry
Prospect Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Hickory Point Bank and Trust score | Hickory Point Bank and Trust ROA | Prospect Bank score | Prospect Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.76% | — | -0.37% |
| 2024-Q4 | — | 0.79% | — | -0.19% |
| 2025-Q1 | — | 1.04% | — | 0.40% |
| 2025-Q2 | — | 1.02% | — | 0.28% |
| 2025-Q3 | — | 1.03% | — | 0.15% |
| 2025-Q4 | — | 1.10% | — | 0.17% |
| 2026-Q1 | 78.1/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 4.28% |
| Non-performing loans | 0.18%Leads | 0.45% |
| Net charge-offs | -0.00%Leads | 0.01% |
| Efficiency ratio | 65.93%Leads | 92.60% |
| Loan-to-deposit ratio | 69.02% | 77.88% |
| Asset growth (YoY) | -2.80% | 3.85%Leads |
| Deposit / share growth (YoY) | -3.73% | 2.37%Leads |
| Branches | 8 | 11 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.18% |
| 62.7/100 |
| 0.17% |
| 2026-Q2 | 79.1/100 | 1.22% | 65.6/100 | 0.26% |