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Buena Vista National Bank

Chester, IL · Cert 10844 · Buena Vista Bcorp Inc.

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

62

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Buena Vista National Bank

Chester, IL · Cert 10844 · Buena Vista Bcorp Inc.

National charter · OCC · 8 branches

Q2 2026

$344.0MAssets
$232.5MLoans
$294.2MDeposits
$37.3MEquity
Loan mix
82%RE $172.1M6%C&I $13.2M11%Consumer $23.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $237.5M19%Noninterest $56.7MQ2 2025Q2 2026

NIM

4.63%Q2 ’244.92%Q2 ’255.28%Q2 ’26+8%+14%

Non-interest income vs. expense

2.71%Q2 ’242.63%Q2 ’252.84%Q2 ’26-3%+10%

Market Position · Decatur, IL · 2026 SOD (annual) · 1.4% share · #11 of 13 inst. · $0.0B of $2.3B

23.0% Randolph
1.4% Macon

Executive Summary

  • Earnings: ROA of 1.35%, up 30 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.36% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.12%, up 15 bps from a year ago.
  • Funding: loans stand at 79.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+30 bps YoY

Net Interest Margin (YTD, annualized)

4.01%+49 bps YoY

Efficiency Ratio (YTD, annualized)

60.43%-215 bps YoY

Tier 1 Leverage Ratio

11.12%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.10%1.04%1.51%1.35%+30 bps
Return on Equity10.28%10.44%9.79%13.93%12.50%+222 bps
Net Interest Margin3.52%3.67%3.75%4.11%4.01%+49 bps
Efficiency Ratio62.58%61.12%63.08%56.28%60.43%-215 bps
Non-Interest Burden1.92%1.94%2.08%1.98%2.12%+20 bps
Growth
Asset Growth (YoY)7.19%3.49%4.68%5.40%8.35%+117 bps
Loan Growth (YoY)1.36%8.68%11.95%15.71%23.86%+2,250 bps
Deposit Growth (YoY)7.18%3.03%4.91%6.76%10.56%+337 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.37%0.27%0.16%0.36%-6 bps
Net Charge-Offs / Loans0.09%0.06%0.04%0.00%0.00%-10 bps
Allowance / Loans1.47%1.41%1.49%1.49%1.42%-4 bps
Allowance Coverage of NPLs3.5x3.8x5.5x9.1x4.0x+0.5x
Capital
Tier 1 Leverage Ratio10.97%11.31%10.94%11.14%11.12%+15 bps
Total Risk-Based Capital17.34%17.51%16.46%16.26%15.82%-152 bps
Equity / Assets10.67%11.47%10.90%10.78%10.84%+16 bps
Liquidity & Funding
Loans / Deposits70.54%76.33%77.17%75.73%79.03%+849 bps
Liquid Assets / Assets5.68%2.17%4.09%4.67%2.77%-291 bps
CRE / Total Capitaln/a193.26%203%210%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Buena Vista National Bank

Chester, IL · Cert 10844 · Peer group: banks under $1B in assets in IL (n=149-151) · Buena Vista Bcorp Inc.

National charter · OCC · 8 branches

Q2 2026

$344.0MAssets
$232.5MLoans
$294.2MDeposits
$37.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of banks under $1B in assets in IL (rank 25 of 151).
  • Widest gap: tier 1 capital ratio trails 46% of banks under $1B in assets in IL (rank 69 of 151).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.32%

Rank 39 of 151

Net Interest Margin

4.01%

Rank 25 of 151

Efficiency Ratio

60.43%

Rank 59 of 151

Equity / Assets

10.84%

Rank 67 of 151

Non-interest income vs. expense

$2.4M$9.7MINCOMEEXPENSE
Unfavorable gap of $7.2M · efficiency ratio beats 62% of banks under $1B in assets in IL
Bank 60.43%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%0.70%1.03%1.34%Beats 74%39 / 151
Return on Equity12.17%6.74%9.34%12.94%Beats 71%44 / 151
Net Interest Margin4.01%3.02%3.43%3.83%Beats 83%25 / 151
Efficiency Ratio60.43%54.64%64.89%72.50%Beats 62%59 / 151
Asset Quality
Nonperforming Loans / Loans0.36%0.20%0.66%1.77%Beats 62%57 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 68%48 / 149
Capital
Tier 1 Capital Ratio14.57%11.83%14.17%18.66%Beats 54%69 / 151
Total Risk-Based Capital Ratio15.82%12.22%14.54%19.92%Beats 58%64 / 151
Equity / Assets10.84%9.10%10.65%12.40%Beats 56%67 / 151
Liquidity & Funding
Loans / Deposits79.03%54.39%71.02%80.75%70th pctl44 / 149
Loans / Assets67.58%45.91%61.31%68.01%72nd pctl42 / 151
Brokered Deposits / Depositsn/aNot reported for this institution