Beardstown Savings


Overview / Commentary
217-323-1400
301 State Street
Beardstown, IL 62618

Beardstown Savings is headquartered in BEARDSTOWN and is the 290th largest bank in the state of Illinois. It is also the 4,054th largest bank in the nation. It was established in 1911 and as of March of 2025, it had grown to 11 employees at 2 locations. Beardstown Savings has a C+ health rating.

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Health
C+
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

Overall
FDIC Certificate #30043
Year Established1911
Employees11
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD8.21%
Annual Interest Income$843K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$71.9MM$67MM
LoansQ1 2025vs Q1 2024$40.1MM$39.4MM
DepositsQ1 2025vs Q1 2024$54.2MM$53.8MM
Equity CapitalQ1 2025vs Q1 2024$6MM$5.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$415K$462K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$925K$489K
Real Estate OwnedQ1 2025vs Q1 2024$0$10K
Rates

Rates for Beardstown Savings are currently being reviewed.

Locations


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

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