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First National Bank of Beardstown, The

Beardstown, IL · Cert 3607

FDIC · 3 branches

Q3 2024

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: Q3 2024, the quarter ended September 30, 2024, 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=157 to 159). 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

34

Q2 2024Q3 2024peer median (50)

Asset Quality

65

Q2 2024Q3 2024peer median (50)

Profitability

98

Q2 2024Q3 2024peer median (50)

Liquidity

85

Q2 2024Q3 2024peer median

Efficiency

90

Q2 2024Q3 2024peer 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

First National Bank of Beardstown, The

Beardstown, IL · Cert 3607

FDIC · 3 branches

Q3 2024

$165.1MAssets
$96.7MLoans
$141.6MDeposits
$22.8MEquity
Loan mix
82%RE $57.8M9%C&I $6.2M9%Consumer $6.5MQ4 2022Q3 2024
Deposit mix
78%Interest-bearing $111.0M22%Noninterest $30.7MQ4 2022Q3 2024

Executive Summary

  • Earnings: ROA of 2.27%, up 89 bps year over year; NIM at 5.34%.
  • Asset quality: problem loans at 0.54% of loans (+41 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.09%, down 169 bps from a year ago.
  • Funding: loans stand at 68.25% of deposits as of Q3 2024.

Return on Assets (YTD, annualized)

2.27%+89 bps YoY

Net Interest Margin (YTD, annualized)

5.34%+153 bps YoY

Efficiency Ratio (YTD, annualized)

48.41%-1,078 bps YoY

Tier 1 Leverage Ratio

10.09%-169 bps YoY

NIM

3.06%Q3 ’224.50%Q3 ’235.98%Q3 ’24+31%+40%

Non-interest income vs. expense

2.42%Q3 ’222.55%Q3 ’232.99%Q3 ’24+8%+20%

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets0.86%1.46%1.53%1.38%0.23%2.20%2.18%2.27%+89 bps
Return on Equity9.33%15.92%16.23%14.33%2.26%18.52%18.01%18.15%+383 bps
Net Interest Margin3.04%3.58%3.74%3.81%1.36%5.20%5.25%5.34%+153 bps
Efficiency Ratio67.60%56.10%54.91%59.19%41.49%46.00%45.92%48.41%-1,078 bps
Non-Interest Burden1.93%1.79%1.83%2.05%0.52%2.29%2.29%2.46%+41 bps
Growth
Asset Growth (YoY)-1.54%0.35%-0.49%3.44%3.03%-4.20%0.27%-2.50%-594 bps
Loan Growth (YoY)4.53%6.58%2.01%2.04%-0.84%2.15%-1.18%1.01%-103 bps
Deposit Growth (YoY)-0.61%-0.09%-1.60%2.32%0.26%-7.17%-2.85%-6.80%-912 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.04%0.14%0.35%0.36%0.34%0.54%+41 bps
Net Charge-Offs / Loans0.01%0.03%0.02%0.02%0.01%0.00%0.00%0.00%-2 bps
Allowance / Loans0.95%0.98%0.95%0.92%0.90%0.90%0.91%0.86%-6 bps
Allowance Coverage of NPLs59.7x59.3x22.2x6.7x2.6x2.5x2.7x1.6x-5.1x
Capital
Tier 1 Leverage Ratio10.90%10.46%11.10%11.79%8.19%8.25%9.22%10.09%-169 bps
Total Risk-Based Capital10.90%10.46%11.10%11.79%8.19%8.25%9.22%10.09%-169 bps
Equity / Assets9.27%9.11%9.97%10.20%11.89%11.82%12.57%13.80%+360 bps
Liquidity & Funding
Loans / Deposits62.13%54.58%60.08%62.97%61.45%60.06%61.11%68.25%+528 bps
Liquid Assets / Assets17.14%21.44%20.29%13.05%3.58%16.96%15.85%11.07%-199 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

First National Bank of Beardstown, The

Beardstown, IL · Cert 3607 · Peer group: banks under $1B in assets in IL (n=157-159)

FDIC · 3 branches

Q3 2024

$165.1MAssets
$96.7MLoans
$141.6MDeposits
$22.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in IL (rank 1 of 159).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in IL (rank 146 of 159).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.36%

Rank 5 of 159

Net Interest Margin

5.34%

Rank 1 of 159

Efficiency Ratio

52.77%

Rank 17 of 159

Equity / Assets

13.80%

Rank 22 of 159

Non-interest income vs. expense

$0.9M$5.0MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 90% of banks under $1B in assets in IL
Bank 52.77%Peer median 67.9%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.36%0.56%0.82%1.11%Beats 97%5 / 159
Return on Equity17.07%5.28%7.77%10.31%Beats 98%3 / 159
Net Interest Margin5.34%2.53%2.96%3.42%Beats 99%1 / 159
Efficiency Ratio52.77%58.79%67.93%78.30%Beats 90%17 / 159
Asset Quality
Nonperforming Loans / Loans0.54%0.14%0.52%1.25%Beats 48%82 / 157
Net Charge-Offs / Loans0.00%0.00%0.03%0.10%Beats 82%31 / 157
Capital
Tier 1 Capital Ratio10.09%11.06%14.12%19.23%Beats 8%146 / 159
Total Risk-Based Capital Ratio10.09%11.59%14.45%20.25%Beats 8%146 / 159
Equity / Assets13.80%8.31%9.92%12.08%Beats 86%22 / 159
Liquidity & Funding
Loans / Deposits68.25%54.00%71.90%80.89%43rd pctl90 / 157
Loans / Assets58.54%47.22%61.34%68.55%45th pctl87 / 157
Brokered Deposits / Depositsn/aNot reported for this institution