Beardstown Savings, S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Beardstown Savings, S.B. of Beardstown, IL against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 0.85% | -0.21% | 30th below |
| ROAE Ahead of the peer average, behind the median peer. | 7.02% | 5.23% | +1.79% | 39th below |
| Net Interest Margin | 3.77% | 3.94% | -0.17% | 44th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 74.48% | 74.96% | -0.48% | 40th below |
| PPNR / Avg Assets | 0.81% | — | — | 29th below |
| Yield on Earning Assets | 5.56% | 5.42% | +0.14% | 64th above |
| Cost of Funds | 2.40% | 1.69% | +0.71% | 17th bottom |
| Net Interest Spread | 3.61% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.50% | 1.34% | -0.84% | 43rd below |
| NPA / Total Assets | 0.31% | — | — | 40th below |
| NCO / Avg Loans | -0.02% | 0.11% | -0.13% | 84th top |
| ACL / Total Loans | 0.62% | — | — | 7th bottom |
| ACL / NPLs (Coverage) | 124.64% | — | — | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.94% | 7.23% | -0.29% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.08% | 25.12% | -5.04% | 43rd below |
| Tier 1 Ratio | 20.08% | 25.12% | -5.04% | 43rd below |
| Total Capital Ratio | 20.72% | — | — | 41st below |
| Leverage Ratio | 10.55% | 14.13% | -3.58% | 23rd bottom |
| Equity / Assets | 9.20% | 13.07% | -3.87% | 17th bottom |
| TCE / Tangible Assets | 9.20% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.84% | 68.58% | +1.26% | 46th below |
| Core Deposit Ratio | 77.71% | 88.79% | -11.08% | 10th bottom |
| Wholesale Funding Ratio | 13.77% | — | — | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.68% | — | — | 82nd top |
| Loan Growth (Y/Y) | 5.36% | — | — | 60th above |
| Deposit Growth (Y/Y) | 11.52% | — | — | 87th top |
See Beardstown Savings, S.B.'s peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Beardstown Savings, S.B., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Beardstown Savings, S.B. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Beardstown Savings, S.B. peer analysis.