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
Unfavorable gap of $7.2M · efficiency ratio beats 62% 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% | 0.70% | 1.03% | 1.34% | Beats 74% | 39 / 151 | |
| Return on Equity | 12.17% | 6.74% | 9.34% | 12.94% | Beats 71% | 44 / 151 | |
| Net Interest Margin | 4.01% | 3.02% | 3.43% | 3.83% | Beats 83% | 25 / 151 | |
| Efficiency Ratio | 60.43% | 54.64% | 64.89% | 72.50% | Beats 62% | 59 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.20% | 0.66% | 1.77% | Beats 62% | 57 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 68% | 48 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 14.57% | 11.83% | 14.17% | 18.66% | Beats 54% | 69 / 151 | |
| Total Risk-Based Capital Ratio | 15.82% | 12.22% | 14.54% | 19.92% | Beats 58% | 64 / 151 | |
| Equity / Assets | 10.84% | 9.10% | 10.65% | 12.40% | Beats 56% | 67 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 79.03% | 54.39% | 71.02% | 80.75% | 70th pctl | 44 / 149 | |
| Loans / Assets | 67.58% | 45.91% | 61.31% | 68.01% | 72nd pctl | 42 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |