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Beardstown Savings S.B.
Beardstown, IL · FDIC Certificate #30043 · Chartered 01/0
Total assets
$79.47M
Total deposits
$60.82M
Total equity
$7.31M
Net loans
$42.22M
Branches (offices)
2
Net income (YTD)
$278.00K
Rank: #3,836 of 4,213 U.S. banks by assets · #278 of 322 in Illinois. Assets changed 9.7% and deposits 11.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.72% |
| Return on equity | 7.69% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 9.20% |
| Tier 1 leverage ratio | 10.55% |
| Uninsured deposits (share of deposits) | 17.6% |
| Noncurrent loans (share of loans) | 1.15% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 69.4% |
| Real estate loans (share of loans) | 86.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $36.39M | 86.2% | |
| Commercial & industrial | $1.55M | 3.7% | |
| Consumer / individual | $4.48M | 10.6% | |
| Construction & development | $955.00K | 2.3% | |
| Agricultural | $37.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $68.01M | $55.92M | $177.00K | $5.35M |
| Jun 2023 | $64.11M | $52.40M | $152.00K | $5.50M |
| Jun 2024 | $65.92M | $52.36M | $127.00K | $5.84M |
| Jun 2025 | $72.45M | $54.54M | $387.00K | $6.12M |
| Jun 2026 | $79.47M | $60.82M | $278.00K | $7.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $60.82M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $60.82M.
Similar-sized banks
The City National Bank Of San Saba ($80.03M) · The First National Bank In Falfurrias ($79.37M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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