Beardstown Savings
LOCATIONS
2
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HEALTH RATING
C+
View health report
CURRENT TOP RATE
2.28% APY
11 Month CD
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Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 0.40% | 1-year CD | 1.37% - National Average |
| 0.30% | Savings | 2.20% - Barclays Online Savings Account |
| 0.96% | 3-year CD | 1.87% - National Average |
Overview / Commentary
Beardstown Savings is headquartered in Beardstown and is the 373rd largest bank in the state of Illinois. It is also the 4,900th largest bank in the nation. It was established in 1911 and as of December of 2018, it had grown to 12 employees at 2 locations. Beardstown Savings' money market rates are 2X the national average, and it has a C+ health rating.
Health
C+
Data as of Q4 2018
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| FDIC Certificate # | 30043 |
| Year Established | 1911 |
| Employees | 12 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.57% |
| Return on Equity - YTD | 5.22% |
| Annual Interest Income | $2.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $52.0MM$49.6MM |
| Loans | Q4 2018vs Q4 2017 | $37.0MM$33.1MM |
| Deposits | Q4 2018vs Q4 2017 | $38.0MM$38.4MM |
| Equity Capital | Q4 2018vs Q4 2017 | $5.7MM$5.5MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $358.00K$345.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $1.1MM$886.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $246.00K$210.00K |
Rates
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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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.30% | - | - | Statement Savings |
Beardstown Savings Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.06%* | $10k* | - | Money Market Account (MMDA) | ||
| OTHER TIERS: 0.30% → $2.5k - $10k | |||||
Beardstown Savings Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | - | - | Now Checking |
Beardstown Savings CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.28% | $1k | - | 11 Month CD | |
| 1.06% | $1k | - | 36 - 72 Month CD | |
| 0.96% | $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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 |
Locations
| Beardstown Savings Locations | ||
|---|---|---|
| West Main St Branch | 201 West Main Street | Mount Sterling, IL 62353 |
| Beardstown Savings S.B. | 301 State Street | Beardstown, IL 62618 |