Is Beardstown Savings S B Safe?
Beardstown Savings S B has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (36/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 20.03% | 100/100 |
| Nonperforming Loan Ratio | 1.18% | 76/100 |
| Liquidity Ratio | 35.28% | 100/100 |
| Return on Assets | 0.39% | 36/100 |
| Total Assets | $0.1B | |
How does Beardstown Savings S B compare?
With a Bank Health Score of 87/100, Beardstown Savings S B sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Beardstown Savings S B ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 20.03% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.18% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Beardstown Savings S B's Bank Health Score improved by 3.0 points to 87/100. Tier 1 capital strengthened by 0.17 percentage points to 20.03%. Quarter-over-quarter, the score rose by 2.0 points.
Beardstown Savings S B has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (36/100).