# BEARDSTOWN SAVINGS S B
BEARDSTOWN, IL · FDIC certificate 30043 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $79.5M | |
| Deposits | $60.8M | |
| Loans and leases | $42.5M | |
| Total equity | $7.3M | |
| Loans / deposits | 69.41% (p44 of band) | 73.59% |
| Liquid assets / assets | 42.56% (p68 of band) | |
| Uninsured deposits / deposits | 17.56% (p41 of band) | 19.81% |
| Brokered deposits | 5.68% | |
| Wholesale funding | 19.45% (p95 of band) | |
| FHLB advances / assets | 13.77% | |
| Tier 1 leverage | 10.55% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -20.79% (p22 of band) | -6.57% |
| AOCI / equity | -1.09% (p25 of band) | |
| ROA (annualized) | 0.72% (p26 of band) | 1.17% |
| Net interest margin | 3.75% (p40 of band) | 3.93% |
| Efficiency ratio | 77.39% (p74 of band) | |
| Noncurrent loans | 1.15% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 53.78% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 13.06% (p43 of band) | |
| Auto loans | $2.7M (6.36% of loans; DQ 5.92%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.5% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | deposits shrinking |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | deposits shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | noncurrent p90 |  |
| 2015-03 | 3 | charge-offs p90, uninsured deposits leaving | noncurrent p90 |
| 2015-06 | 5 | noncurrent p90, deposits shrinking |  |
| 2015-09 | 3 |  | noncurrent p90, deposits shrinking |
| 2015-12 | 3 | capital falling | uninsured deposits leaving |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | noncurrent p90 |  |
| 2018-12 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2019-03 | 3 | charge-offs p90 | noncurrent p90, wholesale funding >15% |
| 2019-06 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2019-09 | 3 | capital falling | charge-offs p90 |
| 2019-12 | 4 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2020-03 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2020-06 | 3 | wholesale funding >15%, charge-offs p90 | noncurrent p90 |
| 2020-09 | 4 | capital falling, noncurrent p90 | wholesale funding >15% |
| 2020-12 | 3 |  | noncurrent p90 |
| 2021-03 | 1 |  | charge-offs p90, capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | charge-offs p90 |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  | charge-offs p90 |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 5 | deposits shrinking |  |
| 2023-09 | 3 |  | assets shrinking, deposits shrinking |
| 2023-12 | 1 |  | securities losses >30% of equity, charge-offs p90 |
| 2024-03 | 3 | securities losses >30% of equity, charge-offs p90 |  |
| 2024-06 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2024-09 | 2 | wholesale funding >15%, charge-offs p90 | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity, reserve under noncurrent | charge-offs p90 |
| 2025-03 | 5 | capital falling, noncurrent p90 |  |
| 2025-06 | 3 |  | capital falling, noncurrent p90 |
| 2025-09 | 2 |  | securities losses >30% of equity |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-08-17 [Beardstown Savings wins community service award - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPSHh0MUFIYjRqOS1JVEFLRzRJdTJ1d3lFWEhpMHpoWG1FaFl1WUJ6clBzYWZEWVZXNFViaDlxaFlRcFJfWDVpWGxhcGdjUVd6c1pXSmNHNFRpVkdDTjRUMmdOTy1LVWpUcjJmRERBRWFOZU42WHdfT2toTlBNLXRnZC1xZlBGcTFCa1NTM0ROc011VzFiWW5JMUVfejlZZnJacF9jTzVZWWNwUQ?oc=5) · Jacksonville Journal-Courier
- 2019-09-21 [It’s your business: Rahe joins Burrus Seed as sales manager - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeXM4SHcwRzcwNXJUc3dNSFNrRXpkMVM3eDRiUDBnQkNCbl9wMlROZUdwN3ZHZTRGcWRaQTZlYW1ZNkhRVjc2Q2xtZHpVQ1ZCcWE5N21iTDdPVkVGMk82WjUtZktTQ25NT3lnZUxubGxoMU0yZHVHUU1Tb1EtY3JzWWRzUkNpS2ZmalhWdVVKbk1aT0twSDlUcGpXYk1jNFR3LWEzNVMxX3k?oc=5) · Jacksonville Journal-Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30043 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "30043", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide