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
Unfavorable gap of $2.0M · efficiency ratio beats 20% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.70% | 1.03% | 1.34% | Beats 25% | 113 / 151 | |
| Return on Equity | 7.60% | 6.74% | 9.34% | 12.94% | Beats 34% | 99 / 151 | |
| Net Interest Margin | 3.38% | 3.02% | 3.43% | 3.83% | Beats 46% | 82 / 151 | |
| Efficiency Ratio | 77.39% | 54.64% | 64.89% | 72.50% | Beats 20% | 122 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.20% | 0.66% | 1.77% | Beats 38% | 93 / 149 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 51% | 74 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 20.08% | 11.83% | 14.17% | 18.66% | Beats 80% | 30 / 151 | |
| Total Risk-Based Capital Ratio | 20.72% | 12.22% | 14.54% | 19.92% | Beats 79% | 32 / 151 | |
| Equity / Assets | 9.20% | 9.10% | 10.65% | 12.40% | Beats 25% | 113 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 69.84% | 54.39% | 71.02% | 80.75% | 46th pctl | 81 / 149 | |
| Loans / Assets | 53.45% | 45.91% | 61.31% | 68.01% | 36th pctl | 96 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |