Beardstown Savings

Overview / Commentary
301 State Street
Beardstown, IL 62618

Beardstown Savings is headquartered in Beardstown and is the 347th largest bank in the state of Illinois. It is also the 4,574th largest bank in the nation. It was established in 1911 and as of June of 2020, 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 - YTD0.83%
Return on Equity - YTD7.34%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$60.7MM$52.4MM
LoansQ2 2020vs Q2 2019$38.7MM$36.4MM
DepositsQ2 2020vs Q2 2019$44.1MM$41.7MM
Equity CapitalQ2 2020vs Q2 2019$6.7MM$6.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$349.00K$327.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$1.1MM$991.00K
Real Estate OwnedQ2 2020vs Q2 2019$97.00K$227.00K
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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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