Beardstown Savings, S.B.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Common equity Tier 1 capital edged up by 1.6%, from $8.3M to $8.4M, the largest move among the key lines here. Within Illinois, Beardstown Savings, S.B. is 45th of 198 on CET1 ratio, 20.08% as of Q2 2026. At 20.08%, Beardstown Savings, S.B.'s CET1 ratio is close to the 19.96% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.08% |
| Tier 1 risk-based capital ratio | 20.08% |
| Total risk-based capital ratio | 20.72% |
| Tier 1 leverage ratio | 10.55% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $8.4M |
| Tier 1 capital | $8.4M |
| Total risk-based capital | $8.7M |
| Total equity capital | $7.3M |
| Risk-weighted assets | $41.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
| Equity capital to average assets | 9.16% |
| Internal capital growth rate | 7.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $8.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.86% | 19.86% | 21.10% | 11.69% | $36.5M |
| Q4 2023 | 20.19% | 20.19% | 21.44% | 11.73% | $36.3M |
| Q1 2024 | 19.71% | 19.71% | 20.94% | 11.02% | $37.4M |
| Q2 2024 | 20.03% | 20.03% | 21.28% | 11.39% | $37.3M |
| Q3 2024 | 19.39% | 19.39% | 20.49% | 11.47% | $38.8M |
| Q4 2024 | 18.89% | 18.89% | 19.95% | 10.92% | $40.2M |
| Q1 2025 | 19.18% | 19.18% | 20.23% | 10.86% | $40.3M |
| Q2 2025 | 19.89% | 19.89% | 20.60% | 10.97% | $40.1M |
| Q3 2025 | 19.91% | 19.91% | 20.62% | 11.15% | $40.6M |
| Q4 2025 | 20.04% | 20.04% | 20.70% | 10.99% | $40.6M |
| Q1 2026 | 19.89% | 19.89% | 20.54% | 10.53% | $41.7M |
| Q2 2026 | 20.08% | 20.08% | 20.72% | 10.55% | $41.9M |
Beardstown Savings, S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Beardstown Savings, S.B., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Beardstown Savings, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30043) · FFIEC NIC profile (RSSD 835378)