Beardstown Savings, S.B.
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Data as of · sourced from FFIEC call reports. How we update
Beardstown Savings, S.B. is an FDIC-insured savings bank headquartered in Beardstown, IL, established in 1911 (FDIC certificate 30043), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $79.5M, up 9.7% from Q2 2025, the 275th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 20.08% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30043
- Headquarters
- Beardstown, IL
- Established
- 1911
- Total assets, Q2 2026
- $79.5M
- Assets vs Q2 2025
- +9.7%
- CET1 ratio, Q2 2026
- 20.08%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 271170154
- Latest call report
- Q2 2026, FFIEC 051 · Beardstown Savings, S.B. call report
- Asset rank in state
- 275th of 319 in Illinois
Beardstown Savings, S.B., based in Beardstown, Illinois, reported $79 million in assets at June 30, 2026, up 9.7% from a year earlier. It grew deposits 11.5% over the year, 4.6 times the median of 2.5% for the 583 banks with less than $100 million in assets. It also holds commercial real estate loans worth 1.0 times its capital, 3.9 times the median of 26% for banks its size.
Earnings fell sharply: quarterly net income of $128,000 was 52% below a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.15% of loans from 1.92%. Funding is the softer spot: it pays an average of 2.40% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Beardstown Savings, S.B. reported a CET1 capital ratio of 20.08%, a return on assets of 0.64%, a nonperforming-loan ratio of 1.15% and a Texas ratio of 6.94%. The figures come from its call report filed with the FFIEC.
Beardstown Savings, S.B. ranks as the 275th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $79.5M, loans rose 1.3% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 64.4% of total loans, followed by non-owner-occupied commercial real estate loans at 14.4%. The FDIC Summary of Deposits lists 2 offices for it, in Beardstown, IL and Mount Sterling, IL; its Beardstown office books 81% of its branch deposits. By the capital ratios in its Q2 2026 call report, Beardstown Savings, S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 S State St, Beardstown, IL 62618
- County
- Cass
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $60.8M
- Allowance for credit losses
- $263K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $79.8M
- Average total loans
- $42.2M
- Average interest-bearing deposits
- $55.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30043
- Fed RSSD
- 835378
- Website
- www.beardstownsavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Beardstown Savings, S.B.'s total assets ranged from $64.3M (Q3 2023) to $79.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$79.5M total assets against $72.5M; $72.2M total liabilities against $66.3M.
$42.2M net loans and leases against $40.0M; $60.8M total deposits against $54.5M.
$30.4M securities against $26.2M; $3.4M cash and balances due against $2.7M.
$1.0M total interest income against $897K; $343K total interest expense against $321K.
$685K net interest income against $576K.
$46K total noninterest income against $53K; $569K total noninterest expense against $461K.
-$3K provision for credit losses against -$115K.
$128K net income against $265K.
0.64% return on assets against 1.46%; 3.77% net interest margin against 3.41%.
20.08% CET1 capital ratio against 19.89%; 10.55% tier 1 leverage ratio against 10.97%.
Inside the full Beardstown Savings, S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.31% (Q4 2025) to 1.46% (Q2 2025) and its net interest margin ran from 3.10% (Q3 2024) to 3.81% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.08% | 0.64% | 1.15% | 6.94% | 3.77% |
| Q1 2026 | 19.89% | 0.76% | 1.38% | 8.22% | 3.81% |
| Q4 2025 | 20.04% | 0.31% | 1.45% | 8.68% | 3.52% |
| Q3 2025 | 19.91% | 0.52% | 1.49% | 8.58% | 3.53% |
| Q2 2025 | 19.89% | 1.46% | 1.92% | 12.13% | 3.41% |
| Q1 2025 | 19.18% | 0.69% | 2.28% | 14.33% | 3.78% |
| Q4 2024 | 18.89% | 0.40% | 2.06% | 13.55% | 3.10% |
| Q3 2024 | 19.39% | 0.38% | 1.03% | 6.16% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Beardstown Savings S.B. | Beardstown , IL | 62618 | $49.4M |
| West Main St Branch | Mount Sterling , IL | 62353 | $11.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 333 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Beardstown Savings, S.B.
What are Beardstown Savings, S.B.'s total assets?
As of the Q2 2026 filing, Beardstown Savings, S.B. reported total assets of $79.5 million in its FFIEC call report.
Where is Beardstown Savings, S.B. headquartered?
It is headquartered in Beardstown, IL, United States.
When was Beardstown Savings, S.B. founded?
It was established in 1911, per the FDIC institution directory.
Is Beardstown Savings, S.B. FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30043). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Beardstown Savings, S.B.?
Beardstown Savings, S.B.'s primary federal regulator is the FDIC.
What is Beardstown Savings, S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Beardstown Savings, S.B. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Beardstown Savings, S.B.'s Texas Ratio?
Its Texas Ratio is 6.94% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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