Beardstown Savings S B
Beardstown, Illinois · FDIC Cert #30043
Beardstown Savings S B is an FDIC-insured bank (Certificate #30043) with $66M in total assets and $52M in total deposits as of the Q2 2024 Call Report. Headquartered in Beardstown, Illinois, the bank maintains a Tier 1 capital ratio of 20.03% (Well-Capitalized) and a nonperforming loan ratio of 1.18%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Beardstown Savings S B (FDIC cert 30043) is a community bank — $66M in total assets, $52M in deposits, serving the Beardstown, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 20.03% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.18% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 35.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.39% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Beardstown Savings S B carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Beardstown Savings S B
- Total Assets
- $66M
- Total Deposits
- $52M
- Tier 1 Capital Ratio
- 20.03%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.18%
- Liquidity Ratio
- 35.28%
- Return on Assets
- 0.39%
- Headquarters
- Beardstown, Illinois
- FDIC Certificate
- #30043
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Beardstown Savings S B holds a Tier 1 capital ratio of 20.03%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Beardstown Savings S B has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Beardstown Savings S B shows strong financial health indicators. With $66M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Beardstown Savings S B Compares
Beardstown Savings S B’s Health Score of 87 is 15 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 20.03% Tier 1 capital ratio is 6.0 points above the US banking industry average near 14%. The 1.18% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.39% is below the national ROA benchmark of ~1.1%. Among 740 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Beardstown Savings S B is 17 points above the portfolio average of 70.
Frequently Asked Questions
Beardstown Savings S B has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 20.03%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Beardstown Savings S B's Tier 1 capital ratio of 20.03% and nonperforming loan ratio of 1.18% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Beardstown Savings S B is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30043). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Beardstown Savings S B holds $66M in total assets and $52M in total deposits. It is headquartered in Beardstown, Illinois (FDIC Certificate #30043).
Beardstown Savings S B has a Tier 1 capital ratio of 20.03%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.18%, and the return on assets is 0.39%.
Yes. Beardstown Savings S B is FDIC-insured (Certificate #30043). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Beardstown Savings S B's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.