BlastPoint's Banking Scorecard
Beardstown Savings s.b.
Micro
Specialty: Other
IL
FDIC cert 30043
Designations: ✓ Community bank ✓ Mutual
Beardstown, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Beardstown Savings s.b. faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.77% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.0M
+2.9% YoY
-0.1% QoQ
|
-$144.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$41.1M
+0.8% YoY
+0.1% QoQ
|
-$98.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$54.1M
+1.3% YoY
+1.3% QoQ
|
-$129.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.75%
+94.6% YoY
-16.3% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.38%
+8.6% YoY
+0.8% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
76.79%
-11.5% YoY
+3.6% QoQ
|
+9.06% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
1.46%
-30.0% YoY
-2.5% QoQ
|
+0.82% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
75.96%
-0.5% YoY
-1.2% QoQ
|
+1.44% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
1.62%
+19.0% YoY
-4.6% QoQ
|
-20.77% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.88%
-26.8% YoY
+4.3% QoQ
|
+0.42% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
20.04%
+6.1% YoY
+0.6% QoQ
|
+11.18% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.29%
-3.3% YoY
+22.3% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.62%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Tier 1 Capital Ratio
Current: 20.04% · Tier avg: 8.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.96% · Tier avg: 74.53%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
25
25th pctile
Efficiency Ratio
Current: 76.79% · Tier avg: 67.73%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.46% · Tier avg: 0.64%
16
16th pctile
Total Loans
Current: $41.1M · Tier avg: $139.2M
14
14th pctile
Total Assets
Current: $73.0M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $54.1M · Tier avg: $183.7M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.62% · Tier avg: 22.39%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.62% · Tier avg: 22.39%
12
12th pctile
Total Deposits
Current: $54.1M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $73.0M · Tier avg: $217.5M
16
16th pctile
Total Loans
Current: $41.1M · Tier avg: $139.2M
19
19th pctile
Delinquency Rate
Current: 1.46% · Tier avg: 0.64%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
25
25th pctile
Efficiency Ratio
Current: 76.79% · Tier avg: 67.73%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.96% · Tier avg: 74.53%
86
86th pctile
Tier 1 Capital Ratio
Current: 20.04% · Tier avg: 8.85%