BEARDSTOWN SAVINGS, S.B.

BEARDSTOWN, IL | Micro | Est. Jan. 1, 1911, midnight | FDIC #30043 | RSSD #835378 | FDIC
Latest Report: 2025-12-31

BEARDSTOWN SAVINGS, S.B. is amn micro FDIC-insured commercial bank headquartered in BEARDSTOWN, IL, established in Jan. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $73M and total deposits of $54M. Profitability stands at 0.31% ROA and 3.26% ROE, with a net interest margin of 3.50%. The bank's CET1 capital ratio is 20.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.70% and a Texas Ratio of 4.50%. FDIC Certificate #30043.

Assets

$73M

Deposits

$54M

Loans

$41M

Equity

$7M

Profitability

Return on Assets (ROA) 0.31%
Return on Equity (ROE) 3.26%
Net Interest Margin (NIM) 3.50%
Yield on Assets 5.50%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.70%
Net Charge-Off Ratio 0.10%
Texas Ratio 4.50%
NPA Ratio 0.45%
ACL / Loans 0.63%

Capital & Liquidity

CET1 Ratio 20.04%
Tier 1 Capital 20.04%
Total Capital Ratio 20.70%
Leverage Ratio 10.99%
Loan-to-Deposit 76.45%

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