Beardstown Savings S.B. is a bank based in Beardstown, Illinois, established in 1911, with $79 million in total assets across 2 branches. By Trust Grade it ranks 232nd of 328 banks we track in Illinois. Its capital ratio of 9.2% trails most similarly sized banks (21th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 0.79% return on assets. No consumer complaints against Beardstown Savings S.B. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Beardstown Savings S.B. compares to Illinois peers
How we graded Beardstown Savings S.B.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.2% capital ratio)
- Profitable (ROA 0.79%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Beardstown Savings S.B. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 201 W Main St, Mount Sterling, IL 62353
- 301 S State St, Beardstown, IL 62618
Are deposits at Beardstown Savings S.B. insured?
Yes. Beardstown Savings S.B. is an FDIC-insured bank (FDIC certificate #30043). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Beardstown Savings S.B.: frequently asked questions
Is Beardstown Savings S.B. a good bank?
Beardstown Savings S.B. earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (9.2% capital ratio); Profitable (ROA 0.79%).
Is Beardstown Savings S.B. FDIC-insured?
Yes. Beardstown Savings S.B. is a FDIC-insured bank (FDIC certificate #30043). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Beardstown Savings S.B.?
Beardstown Savings S.B. holds $79 million in total assets, ranking 232nd of 328 banks we track in Illinois. It operates 2 branches.
Does Beardstown Savings S.B. have CFPB complaints?
No CFPB complaints against Beardstown Savings S.B. appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
