Beardstown Savings

Overview / Commentary
301 State Street
Beardstown, IL 62618

Beardstown Savings is headquartered in Beardstown and is the 355th largest bank in the state of Illinois. It is also the 4,692nd largest bank in the nation. It was established in 1911 and as of December of 2019, it had grown to 11 employees at 2 locations. Beardstown Savings' money market rates are 2X the national average, and it has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Beardstown Savings has a relatively low asset base.

Health Grade Components

FDIC Certificate #30043
Year Established1911
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD4.59%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$53.9MM$52.0MM
LoansQ4 2019vs Q4 2018$40.5MM$37.0MM
DepositsQ4 2019vs Q4 2018$38.5MM$38.0MM
Equity CapitalQ4 2019vs Q4 2018$6.2MM$5.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$364.00K$358.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.3MM$1.1MM
Real Estate OwnedQ4 2019vs Q4 2018$136.00K$246.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Beardstown Savings Savings Account Rates

0.30%--Statement Savings

Beardstown Savings Money Market Rates

1.05%*$10k*-Money Market Checking
OTHER TIERS: 0.30% $2.5k - $10k

Beardstown Savings Checking Account Rates

0.15%--Now Checking

Beardstown Savings CD Rates

1.05%$1k-36 - 72 Month CD
0.95%$1k-30 Month CD
0.60%$1k-18 Month CD
0.40%$1k-12 Month CD
0.25%$1k-182 Day CD
0.20%$1k-91 Day CD

Beardstown Savings IRA Rates

1.26%$250-18 Month IRA CD
1.26%$250-18 Month Roth IRA CD
1.26%$250-18 Month Education CD
1.26%$250-18 Month Sep IRA

Beardstown Savings Locations
West Main St Branch201 West Main StreetMount Sterling, IL 62353
Beardstown Savings S.B.301 State StreetBeardstown, IL 62618

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