Beardstown Savings, S.B.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 13.48 percentage points in Q2 2026, from 88.95% to 102.43%. It was the largest change from Q1 2026 among the key lines here. Beardstown Savings, S.B. ranks 207th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 69.84% (Q2 2026). Beardstown Savings, S.B. reported 69.84% on loan-to-deposit ratio for Q2 2026, 2.51 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $42.5M |
| Net loans and leases | $42.2M |
| Loans held for sale | $0 |
| Loans to total assets | 53.45% |
| Loan-to-deposit ratio | 69.84% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.26% |
| Multifamily (5+ residential) | 0.60% |
| Commercial and industrial | 3.64% |
| Consumer | 10.55% |
| Credit cards | 0.00% |
| Farm | 2.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.43% |
| Construction concentration (Tier 1 capital + allowance) | 11.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.88% |
| Interest income on loans | $727K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $38.3M | $51.7M | 5.50% | 1.54% | 14.47% |
| Q4 2023 | $38.8M | $51.2M | 5.65% | 2.68% | 13.93% |
| Q1 2024 | $39.9M | $53.8M | 8.07% | 3.04% | 13.04% |
| Q2 2024 | $39.9M | $52.4M | 7.98% | 3.07% | 12.52% |
| Q3 2024 | $40.3M | $50.4M | 9.21% | 4.67% | 11.37% |
| Q4 2024 | $41.2M | $53.4M | 9.68% | 5.18% | 11.22% |
| Q1 2025 | $40.5M | $54.2M | 9.83% | 5.37% | 10.78% |
| Q2 2025 | $40.3M | $54.5M | 9.84% | 5.44% | 11.04% |
| Q3 2025 | $41.3M | $53.4M | 9.93% | 6.22% | 12.11% |
| Q4 2025 | $41.3M | $54.1M | 9.90% | 5.92% | 12.17% |
| Q1 2026 | $41.9M | $59.8M | 16.93% | 3.62% | 11.45% |
| Q2 2026 | $42.5M | $60.8M | 16.26% | 3.64% | 10.55% |
Beardstown Savings, S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Beardstown Savings, S.B., freeSource: Call Report Schedule RC-C, 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)