Beardstown Savings s.b.

301 State Street
Beardstown, IL 62618


General Bank Information

FDIC Insured Yes
FDIC Certificate # 30043
Date Established 1911
Assets $0.05 billion
Loans $0.03 billion
Deposits $0.04 billion
Capital $0.01 billion

Beardstown Savings s.b. is an FDIC insured institution located in Beardstown, IL. It was founded in 1911 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Beardstown Savings s.b.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Beardstown Savings s.b.’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial Real Estate.

Compared to other banks in Illinois, Beardstown Savings s.b. has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 69.28
Credit Card Loans 0.00
Consumer Auto Loans 8.16
Small Business Loans 0.00
Construction and Development Loans 2.29
Commercial Real Estate 5.85
Commercial and Industrial Loans 3.46
Farm Loans 0.04

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.20% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
1.26% $1,000 - Learn MoreShow Less
MM 2.5K
0.30% $2,500 $9,999 Learn MoreShow Less
MM 10K
1.06% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Beardstown Savings s.b.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.308% 4.250% 0.50 $1,725 $1,230 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,190 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Beardstown Savings s.b.
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Beardstown Savings s.b. Locations

Financial Details

Beardstown Savings s.b. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Beardstown Savings s.b.. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Beardstown Savings s.b. U.S. Bank Average
17.64% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, Beardstown Savings s.b. had $856,000 in non-current loans and $176,000 in owned real estate. To cover these potential losses it had $5,507,000 in equity and $342,000 in loans loss reserves. That gives it a Texas Ratio of 17.64%.

Return on Equity
Beardstown Savings s.b. U.S. Bank Average
4.27% 9.35%

Beardstown Savings s.b. has a Return on Equity of 4.27% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Beardstown Savings s.b. U.S. Bank Average
10.61% 12.01%

Beardstown Savings s.b. has a Capitalization of 10.61% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Beardstown Savings s.b. Balance Sheet Analysis

As of March 31, 2018, Beardstown Savings s.b. had assets of $51,886,000, loans of $34,777,000, and deposits of $41,167,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 94.01%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Beardstown Savings S.b.

Branches and Savings

Is Beardstown Savings S.b. FDIC insured?

Yes. It is covered under FDIC Certificate #30043.

Why does Beardstown Savings S.b. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Beardstown Savings S.b. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Beardstown Savings S.b. a commercial bank?


Where are Beardstown Savings S.b. locations?

See branch locations nearby.

Is Beardstown Savings S.b. open on Saturdays?

Is Beardstown Savings S.b. open on Sundays?

What time does Beardstown Savings S.b. open?

What time does Beardstown Savings S.b. close?

Are Beardstown Savings S.b. ATMs Open 24/7?

Do Beardstown Savings S.b. ATMs accept cash deposits?

Can Beardstown Savings S.b. customers use other ATMs?

Do Beardstown Savings S.b. branches have notaries?

Will Beardstown Savings S.b. notarize my document?

What address for Beardstown Savings S.b. should I put for incoming ACH transfers?

Will the Beardstown Savings S.b. branch print checks?

Do Beardstown Savings S.b. checks expire?

Does Beardstown Savings S.b. require US citizenship to open account?

Can Beardstown Savings S.b. close my account?

Does Beardstown Savings S.b. Report to credit bureaus?

Does Beardstown Savings S.b. Use Equifax?

What is Beardstown Savings S.b.'s ACH Routing Number?

What is Beardstown Savings S.b.'s SWIFT code?


Does Beardstown Savings S.b. offer mortgages?

Compare mortgage rates here.

Does Beardstown Savings S.b. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Beardstown Savings S.b. offer personal loans?

Compare personal loan rates here.

Does Beardstown Savings S.b. offer student loans?

Will Beardstown Savings S.b. cash a check?

Will Beardstown Savings S.b. redeem a savings bond?

Does Beardstown Savings S.b. cash savings bonds?

Will Beardstown Savings S.b. cash money orders?

Can Beardstown Savings S.b. issue a money order?

Does Beardstown Savings S.b. do currency exchange?

Background on The Bank

Who owns Beardstown Savings S.b.?

How long has Beardstown Savings S.b. been around?

Can Beardstown Savings S.b. transfer to other banks?

Does Beardstown Savings S.b. have quick pay?

Does Beardstown Savings S.b. accept rolled coins?

Will Beardstown Savings S.b. accept loose change?

Where is Beardstown Savings S.b. headquarters?

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