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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 $4.8MQ3 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