At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 0.79%
Is this bank safe?
BEARDSTOWN SAVINGS S.B. earned an Outstanding CRA rating (2024), meets basic financial requirements (ROA +0.79%).
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$79M
Total Deposits
$60M
Net Loans
$42M
Net Income
$150K
ROA
0.79%
Above avg for Small banks. Peer avg: 0.44%
ROE
8.35%
Risk-Based Capital
20.54%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
2
Branch Deposits
$55M
1-Year Change
0
Rating History
CRA / FFIEC| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2024 | Outstanding | Small Bank |
| Aug 2018 | Outstanding | Small Bank |
| Sep 2012 | Outstanding | Small Bank |
5 previous ratings locked — back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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