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Beardstown Savings, S.B.

Beardstown, IL · Cert 30043

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Beardstown Savings, S.B.

Beardstown, IL · Cert 30043

SI · FDIC · 2 branches

Q2 2026

$79.5MAssets
$42.5MLoans
$60.8MDeposits
$7.3MEquity
Loan mix
85%RE $35.6M4%C&I $1.5M11%Consumer $4.8MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $59.6M2%Noninterest $1.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.72%, down 36 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 1.15% of loans (-77 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.55%, down 42 bps from a year ago.
  • Funding: loans stand at 69.84% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.72%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+36 bps YoY

Efficiency Ratio (YTD, annualized)

77.39%+517 bps YoY

Tier 1 Leverage Ratio

10.55%-42 bps YoY

NIM

4.66%Q2 ’244.78%Q2 ’255.06%Q2 ’26+2%+12%

Non-interest income vs. expense

2.82%Q2 ’242.43%Q2 ’252.80%Q2 ’26-17%+23%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.38%0.68%1.08%0.89%0.75%0.79%0.72%-36 bps
Return on Equity4.21%4.33%8.21%12.90%10.33%8.42%8.35%7.69%-521 bps
Net Interest Margin2.96%2.82%2.94%3.02%3.12%3.08%3.38%3.38%+36 bps
Efficiency Ratio86.62%86.75%71.09%72.22%74.09%76.79%76.93%77.39%+517 bps
Non-Interest Burden2.52%2.41%1.98%2.09%2.23%2.30%2.55%2.57%+48 bps
Growth
Asset Growth (YoY)7.52%9.11%7.38%9.92%5.63%2.93%9.66%9.68%-23 bps
Loan Growth (YoY)5.21%6.22%1.55%1.08%2.54%0.36%3.57%5.36%+428 bps
Deposit Growth (YoY)-2.45%4.22%0.63%4.16%5.83%1.29%10.48%11.52%+736 bps
Asset Quality
Nonperforming Loans / Loans1.03%2.06%2.28%1.92%1.49%1.45%1.38%1.15%-77 bps
Net Charge-Offs / Loans0.22%0.17%0.03%0.11%0.07%0.10%-0.01%-0.01%-12 bps
Allowance / Loans1.05%1.01%1.02%0.70%0.68%0.63%0.63%0.62%-8 bps
Allowance Coverage of NPLs1.0x0.5x0.4x0.4x0.5x0.4x0.5x0.5x+0.2x
Capital
Tier 1 Leverage Ratio11.47%10.92%10.86%10.97%11.15%10.99%10.53%10.55%-42 bps
Total Risk-Based Capital20.49%19.95%20.23%20.60%20.62%20.70%20.54%20.72%+12 bps
Equity / Assets9.15%8.24%8.39%8.44%9.41%9.74%9.21%9.20%+76 bps
Liquidity & Funding
Loans / Deposits79.91%77.15%74.76%73.92%77.43%76.45%70.08%69.84%-408 bps
Liquid Assets / Assets0.86%1.82%3.24%1.80%0.48%0.18%4.57%2.04%+24 bps
CRE / Total Capitaln/an/an/an/a63.82%63.07%98.76%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Beardstown Savings, S.B.

Beardstown, IL · Cert 30043 · Peer group: banks under $1B in assets in IL (n=149-151)

SI · FDIC · 2 branches

Q2 2026

$79.5MAssets
$42.5MLoans
$60.8MDeposits
$7.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 80% of banks under $1B in assets in IL (rank 30 of 151).
  • Widest gap: efficiency ratio trails 80% of banks under $1B in assets in IL (rank 122 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.70%

Rank 113 of 151

Net Interest Margin

3.38%

Rank 82 of 151

Efficiency Ratio

77.39%

Rank 122 of 151

Equity / Assets

9.20%

Rank 113 of 151

Non-interest income vs. expense

$0.2M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 20% of banks under $1B in assets in IL
Bank 77.39%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.70%0.70%1.03%1.34%Beats 25%113 / 151
Return on Equity7.60%6.74%9.34%12.94%Beats 34%99 / 151
Net Interest Margin3.38%3.02%3.43%3.83%Beats 46%82 / 151
Efficiency Ratio77.39%54.64%64.89%72.50%Beats 20%122 / 151
Asset Quality
Nonperforming Loans / Loans1.15%0.20%0.66%1.77%Beats 38%93 / 149
Net Charge-Offs / Loans0.02%0.00%0.02%0.07%Beats 51%74 / 149
Capital
Tier 1 Capital Ratio20.08%11.83%14.17%18.66%Beats 80%30 / 151
Total Risk-Based Capital Ratio20.72%12.22%14.54%19.92%Beats 79%32 / 151
Equity / Assets9.20%9.10%10.65%12.40%Beats 25%113 / 151
Liquidity & Funding
Loans / Deposits69.84%54.39%71.02%80.75%46th pctl81 / 149
Loans / Assets53.45%45.91%61.31%68.01%36th pctl96 / 151
Brokered Deposits / Depositsn/aNot reported for this institution