🏦Bank Scorer

BEARDSTOWN SAVINGS S.B.

BEARDSTOWN, IL · Supervised by FDIC

Est. 1911FDIC #30,043RSSD: FDIC-30043
Outstanding Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.79%

Institution Profile

FDIC BankFind

Address

301 S State St, BEARDSTOWN, IL

County

Cass County

Established

January 1, 1911

Total Assets

$79M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$79M

Total Deposits

$60M

Net Loans

$42M

Net Income

$150K

ROA

0.79%

ROE

8.35%

Risk-Based Capital

20.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$55M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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