Bank · FDIC insured
Beardstown Savings
A $79.5M bank headquartered in Beardstown, IL, with 2 branches in Illinois. Best rates: CDs 1.26% and savings 0.50% APY.
Beardstown Savings Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#257 of 281 in IllinoisHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Beardstown Savings
Founded in 1880, Beardstown Savings, s.b. is a mutually owned bank located in Beardstown, Illinois.
The bank operates two branch locations in Beardstown and Mt. Sterling.
- Headquarters
- 301 S State St, Beardstown, IL 62618
- FDIC certificate
- 30043 ↗
Branches
2 branches in Illinois
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Illinois
2 branches
Beardstown area · 1
- Beardstown Savings s.b.Main office301 S State St, Beardstown, IL 62618Directions
Mount Sterling area · 1
- West Main St Branch201 W Main St, Mount Sterling, IL 62353Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.55% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 1.15% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.72% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $70 | $67 | — |
- CapitalLeverage ratio10.55%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent1.15%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$70Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Beardstown Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.