Beardstown Savings s.b. is a si headquartered in Beardstown, Illinois, in business for about 115 years. At the end of Q2 2026 it reported $79.5M in total assets and $60.8M in deposits, with 2 offices.
Based on its Q2 2026 filing, Beardstown Savings s.b. scores 64/100, which we describe as moderate. That is higher than only 24% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 229th. Its strongest component is funding & liquidity (88/100; 69% loans-to-deposits, 18% uninsured), and its lowest is earnings (49/100; 0.72%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (60 → 64), mostly because the loan quality component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 64 |
| Q4 2024 | 52 |
| Q1 2025 | 53 |
| Q2 2025 | 60 |
| Q3 2025 | 63 |
| Q4 2025 | 62 |
| Q1 2026 | 62 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.39% |
| Q3 2024 | 11.47% |
| Q4 2024 | 10.92% |
| Q1 2025 | 10.86% |
| Q2 2025 | 10.97% |
| Q3 2025 | 11.15% |
| Q4 2025 | 10.99% |
| Q1 2026 | 10.53% |
| Q2 2026 | 10.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.03% |
| Q4 2024 | 2.06% |
| Q1 2025 | 2.28% |
| Q2 2025 | 1.92% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.45% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.68% |
| Q2 2025 | 1.08% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $79.5M | 10.55% | 1.15% | 0.72% | 69.4% |
| Q1 2026 | 62 | $78.9M | 10.53% | 1.38% | 0.79% | 69.6% |
| Q4 2025 | 62 | $73.0M | 10.99% | 1.45% | 0.75% | 76.0% |
| Q3 2025 | 63 | $73.1M | 11.15% | 1.49% | 0.89% | 76.9% |
| Q2 2025 | 60 | $72.5M | 10.97% | 1.92% | 1.08% | 73.4% |
| Q1 2025 | 53 | $71.9M | 10.86% | 2.28% | 0.68% | 74.0% |
| Q4 2024 | 52 | $70.9M | 10.92% | 2.06% | 0.38% | 76.4% |
| Q3 2024 | 64 | $69.2M | 11.47% | 1.03% | 0.38% | 79.1% |
| Q2 2024 | 63 | $65.9M | 11.39% | 1.18% | 0.38% | 75.3% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Washington State BankBank Washington, IL | 61 out of 100, Moderate | $79.1M | 9.1% | 1.03% | vs |
| Kinmundy BankBank Kinmundy, IL | 85 out of 100, Very strong | $80.1M | 13.0% | 0.67% | vs |
| First State Bank of OlmstedBank Olmsted, IL | 64 out of 100, Moderate | $78.4M | 12.6% | 2.09% | vs |
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
| The Atlanta National BankBank Atlanta, IL | 69 out of 100, Moderate | $81.3M | 11.6% | 1.00% | vs |
| Marseilles BankBank Marseilles, IL | 56 out of 100, Moderate | $77.6M | 8.3% | 1.02% | vs |
Deposit insurance
Is my money safe at Beardstown Savings s.b.?
Yes. Beardstown Savings s.b. is an FDIC-insured institution (FDIC certificate #30043). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.6% of deposits ($10.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.72% (benchmark: 10%).
2 locations
Branches
Beardstown Savings s.b. lists 2 offices in 2 cities. Most locations:
- Beardstown, IL (1)
- Mount Sterling, IL (1)
Identity & history
Profile
- Legal name
- Beardstown Savings s.b.
- Former names
- Beardstown Savings and Loan Association
- Type
- SI
- FDIC certificate #
- 30043
- RSSD ID
- 835378
- Primary regulator
- FDIC
- Established
- January 1, 1911
- Headquarters
- 301 S State St, Beardstown, IL 62618
- Website
- www.beardstownsavings.com
- Employees
- 13
Quick answers
Beardstown Savings s.b.: common questions
Is Beardstown Savings s.b. FDIC insured?
Yes. Beardstown Savings s.b. is an FDIC-insured institution (FDIC certificate #30043). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Beardstown Savings s.b.'s TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Beardstown Savings s.b. ever failed?
There is no failure record for FDIC certificate #30043 in the FDIC failed bank list.
How many branches does Beardstown Savings s.b. have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Beardstown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rushville State BankBank Rushville, IL | 94 out of 100, Very strong | $134.8M | 14.3% | 0.19% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| The First National Bank of ArenzvilleBank Arenzville, IL | 76 out of 100, Strong | $158.7M | 8.8% | 0.05% | vs |
| Petefish, Skiles & Co.Bank Virginia, IL | 75 out of 100, Strong | $501.6M | 9.1% | 0.14% | vs |
| The Family Credit UnionCredit union Davenport, IA | 75 out of 100, Strong | $253.3M | 14.0% | 1.10% | vs |