BlastPoint's Banking Scorecard
Beardstown Savings s.b.
Designations: ✓ Community bank ✓ Mutual
Beardstown, IL
2 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +11.5% year over year ($60.8M on the books).
- Delinquency rate 1.16%.
- Return on assets 0.72%.
- Efficiency ratio 77.39% vs a 119.40% peer average.
- Loan-to-deposit ratio 69.41% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Beardstown Savings s.b. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 42.00% below tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 21.45% below tier average
- - ROA 0.28% below tier average
- - Net Interest Margin 0.16% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.5M
+9.7% YoY
+0.7% QoQ
|
+$17.0M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$42.2M
+5.4% YoY
+1.3% QoQ
|
+$7.3M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$60.8M
+11.5% YoY
+1.7% QoQ
|
+$9.2M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
0.72%
-33.1% YoY
-8.7% QoQ
|
-0.28% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.75%
+14.2% YoY
-0.1% QoQ
|
-0.16% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
77.39%
+7.2% YoY
+0.6% QoQ
|
-42.00% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
1.16%
-40.2% YoY
-16.5% QoQ
|
-0.32% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
69.41%
-5.5% YoY
-0.3% QoQ
|
-4.80% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
2.04%
-26.4% YoY
-14.8% QoQ
|
-21.45% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.6% in tier |
| Nonperforming Asset Ratio ? |
0.66%
-38.2% YoY
-15.6% QoQ
|
-0.17% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
20.08%
+0.9% YoY
+0.9% QoQ
|
-7.05% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.12%
-32.9% YoY
+98.6% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
46% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
2.0%
-0.7pp YoY -0.4pp QoQ |
-22.6pp | 24.6% | 20.1% | 22.2% | 3% |
| Brokered Deposits |
7.4%
-0.1pp QoQ |
-2.4pp | 9.8% | 8.0% | 8.5% | 57% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.7%
-1.8pp YoY 0.0pp QoQ |
-9.7pp | 13.4% | 14.7% | 12.5% | 12% |
| CRE |
19.2%
+6.7pp YoY -0.4pp QoQ |
-6.0pp | 25.2% | 37.9% | 41.4% | 47% |
| 1-4 Family |
64.8%
-0.4pp YoY +1.7pp QoQ |
+29.9pp | 35.0% | 28.3% | 31.3% | 84% |
| Consumer |
10.6%
-0.5pp YoY -0.9pp QoQ |
+2.9pp | 7.7% | 5.4% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.1%
+0.2pp YoY +0.2pp QoQ |
-18.6pp | 38.7% | 19.9% | 19.7% | 48% |
| Leverage Ratio |
10.5%
-0.4pp YoY 0.0pp QoQ |
-7.1pp | 17.7% | 12.2% | 12.6% | 24% |
| Total Capital Ratio |
20.7%
+0.1pp YoY +0.2pp QoQ |
-18.9pp | 39.7% | 20.9% | 20.8% | 45% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
+2 (+18.2%) YoY 0 QoQ |
+1 | 12 | 228 | 482 | 62% |
| Assets per Employee ($) |
$6.1M
-7.2% YoY +0.7% QoQ |
-$75K | $6.2M | $8.3M | $8.8M | 52% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.0% | 0.4% | 0.4% | 60% |
| Nonaccrual |
0.5%
-0.9pp YoY -0.2pp QoQ |
-1.2pp | 1.7% | 1.1% | 1.0% | 40% |
| Allowance Coverage |
0.54x
+48.5% YoY +17.8% QoQ |
-5.87x | 6.41x | 5.62x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.7%
-5.2pp YoY -0.7pp QoQ |
+1.3pp | 6.4% | 10.5% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.6% | 1.7% | 77% |
| Net Income ($, YTD) |
$278,000
-28.2% YoY — QoQ |
-$40K | $317,817 | $11.7M | $40.4M | 48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.