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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 $4.8MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $59.6M2%Noninterest $1.2MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.93%Q2 ’255.15%Q2 ’26+4%+8%

Non-interest income vs. expense

2.70%Q2 ’242.53%Q2 ’252.85%Q2 ’26-6%+17%

Executive Summary

  • Earnings: ROA of 0.65%, down 82 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.15% of loans (-77 bps YoY), with net recoveries of 0.02%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.65%-82 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+27 bps YoY

Efficiency Ratio (quarter, annualized)

77.84%+455 bps YoY

Tier 1 Leverage Ratio

10.55%-42 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%0.52%0.31%0.79%0.65%-82 bps
Return on Equity17.44%5.85%3.26%8.35%7.02%-1,042 bps
Net Interest Margin3.16%3.28%3.18%3.38%3.43%+27 bps
Efficiency Ratio73.29%77.66%84.82%76.93%77.84%+455 bps
Non-Interest Burden2.24%2.49%2.66%2.55%2.62%+38 bps
Growth
Asset Growth (YoY)9.92%5.63%2.93%9.66%9.68%-23 bps
Loan Growth (YoY)1.08%2.54%0.36%3.57%5.36%+428 bps
Deposit Growth (YoY)4.16%5.83%1.29%10.48%11.52%+736 bps
Asset Quality
Nonperforming Loans / Loans1.92%1.49%1.45%1.38%1.15%-77 bps
Net Charge-Offs / Loans0.19%0.01%0.16%-0.01%-0.02%-21 bps
Allowance / Loans0.70%0.68%0.63%0.63%0.62%-8 bps
Allowance Coverage of NPLs0.4x0.5x0.4x0.5x0.5x+0.2x
Capital
Tier 1 Leverage Ratio10.97%11.15%10.99%10.53%10.55%-42 bps
Total Risk-Based Capital20.60%20.62%20.70%20.54%20.72%+12 bps
Equity / Assets8.44%9.41%9.74%9.21%9.20%+76 bps
Liquidity & Funding
Loans / Deposits73.92%77.43%76.45%70.08%69.84%-408 bps
Liquid Assets / Assets1.80%0.48%0.18%4.57%2.04%+24 bps
CRE / Total Capitaln/a63.82%63.07%98.76%n/an/a