Buena Vista National Bank
Chester, IL · Cert 10844 · Peer group: banks under $1B in assets in IL (n=146-148) · 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 148).
- Widest gap: tier 1 capital ratio trails 47% of banks under $1B in assets in IL (rank 69 of 148).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.32%
Rank 39 of 148
Net Interest Margin
4.01%
Rank 25 of 148
Efficiency Ratio
60.43%
Rank 59 of 148
Equity / Assets
10.84%
Rank 67 of 148
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 61% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.74% | 1.04% | 1.35% | Beats 74% | 39 / 148 | |
| Return on Equity | 12.17% | 6.82% | 9.34% | 12.94% | Beats 71% | 43 / 148 | |
| Net Interest Margin | 4.01% | 3.04% | 3.45% | 3.85% | Beats 83% | 25 / 148 | |
| Efficiency Ratio | 60.43% | 54.64% | 64.64% | 72.22% | Beats 61% | 59 / 148 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.20% | 0.66% | 1.77% | Beats 62% | 57 / 146 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 67% | 49 / 146 | |
| Capital |
| Tier 1 Capital Ratio | 14.57% | 11.87% | 14.21% | 19.02% | Beats 53% | 69 / 148 | |
| Total Risk-Based Capital Ratio | 15.82% | 12.22% | 14.72% | 19.93% | Beats 57% | 64 / 148 | |
| Equity / Assets | 10.84% | 9.29% | 10.67% | 12.50% | Beats 55% | 67 / 148 | |
| Liquidity & Funding |
| Loans / Deposits | 79.03% | 54.39% | 71.02% | 80.75% | 71st pctl | 43 / 146 | |
| Loans / Assets | 67.58% | 46.03% | 61.31% | 68.01% | 72nd pctl | 41 / 148 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |