Prairie State Bank & Trust, located at 1001 S Durkin Dr in Springfield, Illinois, is a locally oriented financial institution with roots tracing back to regional community banking traditions. The organization focuses on serving individuals and small to mid-sized businesses within its footprint, offering core banking services that align with conventional community bank models. Its history reflects periodic growth and adaptation to changing regulatory and market environments, while maintaining a commitment to steady risk management and prudent governance.
The bank’s primary functions center on deposit gathering, loan origination, and related financial services that support personal and commercial banking needs. Operational scope typically includes consumer financing, residential and small business lending, cash management, and basic treasury solutions. As a community bank, Prairie State Bank & Trust emphasizes accessibility, standard banking hours, and local decision-making processes designed to respond to customer needs in Springfield and nearby communities. The organization operates within the broader framework of state and federal banking oversight, ensuring compliance and sound financial practices integral to its stability and service consistency.
Better than 50% of providers in Springfield
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Prairie State Bank & Trust is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Prairie State Bank & Trust is listed as a financial service provider in Springfield, IL and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Prairie State Bank & Trust to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Prairie State Bank & Trust, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Prairie State Bank & Trust with other providers in Springfield and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Prairie State Bank & Trust has a rating of 4.7, which is better than 50% of providers in Springfield.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Prairie State Bank & Trust requests. It is always best to call ahead using the phone number on this page so Prairie State Bank & Trust can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Prairie State Bank & Trust also offers: Bank.