Prairie State Bank & Trust is a community bank with over $800 million in total assets, over 150 employees and 18 bank locations throughout central Illinois. Prairie State Bank & Trust is the successor to a group of smaller community banks acquired as early as 1968. We merged these banks together over the past 20 years, retaining the best practices and ideas of each and the employees fiercely committed to providing the highest level of customer service.

Prairie State Bank & Trust has the size, and products and services to meet your growing needs, and we remain fully committed to the high level of customer service derived from our community banking roots.  This unique combination gives rise to our slogan: Improving Lives Through Exceptional Service.

Prairie State Bank & Trust is fully owned by American Central Financial Group, a family-owned bank holding company. American Central Financial Group and Prairie State Bank & Trust are committed to community banking for the long term. We intend to continue to differentiate ourselves through exceptional service, innovative ideas and flexible loan and deposit structuring to not only meet, but exceed your expectations.

“Prairie State Bank & Trust is rated FIVE STARS by Bauer Financial. This is the highest possible achievement offered by an industry leader in financial institutions. We encourage our customers to visit www.bauerfinancial.com and compare us with others in our market. Not only are we top in our field by statistics, but we’re also rated FIVE STARS by our customers!”

Bauer Financial Seal



    The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.