Beardstown Savings, S.B.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 8.11 percentage points in Q2 2026, from 45.67% to 53.78%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Beardstown Savings, S.B. is 255th of 323 on return on assets, 0.64% as of Q2 2026. Beardstown Savings, S.B. reported 0.64% on return on assets for Q2 2026, 0.36 points below the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.08% |
| Tier 1 risk-based capital ratio | 20.08% |
| Total risk-based capital ratio | 20.72% |
| Tier 1 leverage ratio | 10.55% |
| Equity capital to assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.15% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 6.94% |
| Allowance for credit losses to loans | 0.62% |
| Reserve coverage of non-performing loans | 53.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 7.02% |
| Net interest margin | 3.77% |
| Efficiency ratio | 74.48% |
| Yield on earning assets | 5.56% |
| Cost of funds | 2.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.84% |
| Core deposits to total deposits | 77.71% |
| Brokered deposits to total deposits | 7.41% |
| Deposits to assets | 76.54% |
| Securities to assets | 38.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.86% | 19.86% | 21.10% | 11.69% | 0.28% |
| Q4 2023 | 20.19% | 20.19% | 21.44% | 11.73% | 0.54% |
| Q1 2024 | 19.71% | 19.71% | 20.94% | 11.02% | 0.16% |
| Q2 2024 | 20.03% | 20.03% | 21.28% | 11.39% | 0.61% |
| Q3 2024 | 19.39% | 19.39% | 20.49% | 11.47% | 0.38% |
| Q4 2024 | 18.89% | 18.89% | 19.95% | 10.92% | 0.40% |
| Q1 2025 | 19.18% | 19.18% | 20.23% | 10.86% | 0.69% |
| Q2 2025 | 19.89% | 19.89% | 20.60% | 10.97% | 1.46% |
| Q3 2025 | 19.91% | 19.91% | 20.62% | 11.15% | 0.52% |
| Q4 2025 | 20.04% | 20.04% | 20.70% | 10.99% | 0.31% |
| Q1 2026 | 19.89% | 19.89% | 20.54% | 10.53% | 0.76% |
| Q2 2026 | 20.08% | 20.08% | 20.72% | 10.55% | 0.64% |
Beardstown Savings, S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Beardstown Savings, S.B., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)