Beardstown Savings

Overview / Commentary

www.beardstownsavings.com

217-323-1400

301 State Street
Beardstown, IL 62618

Beardstown Savings is headquartered in Beardstown and is the 323^rd largest bank in the state of Illinois. It is also the 4,308^th largest bank in the nation. It was established in 1911 and as of March of 2022, it had grown to 12 employees at 2 locations. Beardstown Savings' money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2022

Learn why bank health matters

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 Established	1911
Employees	12
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.45%
Return on Equity - YTD	4.76%
Annual Interest Income	$575.00K

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$72.7MM$67.7MM
Loans	Q1 2022vs Q1 2021	$38.6MM$39.6MM
Deposits	Q1 2022vs Q1 2021	$56.8MM$52.0MM
Equity Capital	Q1 2022vs Q1 2021	$6.2MM$6.8MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$321.00K$375.00K
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$548.00K$896.00K
Real Estate Owned	Q1 2022vs Q1 2021	$97.00K$129.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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
0.15%	-	-	Statement Savings

Beardstown Savings Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$10k^*	-	Money Market Checking
OTHER TIERS: 0.30% → $2.5k - $10k

Beardstown Savings Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Now Checking

Beardstown Savings CD Rates

APY	MIN	MAX	ACCOUNT NAME
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
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 S State St	Beardstown, IL 62618

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