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

Beardstown Savings is headquartered in Beardstown and is the 409th largest bank in the state of Illinois. It is also the 5,484th largest bank in the nation. It was established in 1911 and as of June of 2016, 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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Health
B
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
Employees11
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD3.35%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$48.5MM$45.0MM
LoansQ2 2016vs Q2 2015$30.0MM$28.3MM
DepositsQ2 2016vs Q2 2015$37.1MM$34.9MM
Equity CapitalQ2 2016vs Q2 2015$5.4MM$5.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$382.00K$371.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$660.00K$982.00K
Real Estate OwnedQ2 2016vs Q2 2015$333.00K$467.00K
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