Overview / Commentary
Beardstown Savings is headquartered in Beardstown and is the 364th largest bank in the state of Illinois. It is also the 4,813th largest bank in the nation. It was established in 1911 and as of June of 2019, it had grown to 13 employees at 2 locations. Beardstown Savings' money market rates are 2X the national average, and it has a B health rating.
Health
B
Data as of Q2 2019
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 | 13 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.67% |
| Return on Equity - YTD | 5.94% |
| Annual Interest Income | $1.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $52.4MM$50.4MM |
| Loans | Q2 2019vs Q2 2018 | $36.4MM$34.5MM |
| Deposits | Q2 2019vs Q2 2018 | $41.7MM$38.5MM |
| Equity Capital | Q2 2019vs Q2 2018 | $6.1MM$5.6MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $327.00K$354.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $991.00K$722.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $227.00K$269.00K |
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 | |
|---|---|---|---|---|---|
| 1.05%* | $10k* | - | Money Market Checking | ||
| 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 |
|---|---|---|---|---|
| 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 |