Beardstown Savings s.b.: how it compares with its peers
Against 82 IL banks with half to twice its assets, Beardstown Savings s.b.'s strongest measure in Q2 2026 is net interest margin (3.75% vs. a 3.73% peer median). Its weakest relative measure is efficiency ratio (77.39% vs. 66.57%).
| Measure | Beardstown Savings s.b. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.72% | 1.04% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.73% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.39% | 66.57% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.2M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.41% | 63.57% | Context |
What it means for lending operations
Its efficiency ratio of 77.39% is above the 66.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Washington State Bank Washington, IL · $79M
- Kinmundy Bank Kinmundy, IL · $80M
- First State Bank of Olmsted Olmsted, IL · $78M
- The First National Bank of Ava Ava, IL · $78M
- The Atlanta National Bank Atlanta, IL · $81M
- Marseilles Bank Marseilles, IL · $78M
Questions about Beardstown Savings s.b.
How big is Beardstown Savings s.b.?
Beardstown Savings s.b., established in 1911, is headquartered in Beardstown, IL. It reported $79M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Beardstown Savings s.b.'s return on assets?
0.72% annualized in Q2 2026, against a 1.04% median for 82 IL banks with half to twice its assets, ahead of 34% of them.
What is Beardstown Savings s.b.'s efficiency ratio?
77.39% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 66.57%, and lower is better.
Is Beardstown Savings s.b. growing its loans?
Net loans grew 5.4% over the year to Q2 2026, while deposits grew 11.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.