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

Beardstown Savings is headquartered in Beardstown and is the 423rd largest bank in the state of Illinois. It is also the 5,572nd largest bank in the nation. It was established in 1911 and as of March of 2016, 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.

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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 low asset base.

Health Grade Components

Overall
FDIC Certificate #30043
Year Established1911
Employees12
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD3.57%
Annual Interest Income$505.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$46.7MM$44.4MM
LoansQ1 2016vs Q1 2015$29.6MM$28.1MM
DepositsQ1 2016vs Q1 2015$35.0MM$35.3MM
Equity CapitalQ1 2016vs Q1 2015$5.3MM$5.2MM
Loan Loss AllowanceQ1 2016vs Q1 2015$387.00K$347.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$701.00K$921.00K
Real Estate OwnedQ1 2016vs Q1 2015$441.00K$493.00K
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$250-Traditional IRA
1.26%$250-Roth IRA
0.30%$50-Statement Savings

Beardstown Savings Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%*$10k*-Money Market Account (MMDA)
OTHER TIERS: 0.30% Up to $10k

Beardstown Savings Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$50-Now Checking

Beardstown Savings CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%$1k-36 Month CD
1.05%$1k-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
Locations


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