PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.77%Q2 ’244.98%Q2 ’255.37%Q2 ’26+6%+13%

Non-interest income vs. expense

2.83%Q2 ’242.81%Q2 ’253.05%Q2 ’260%+12%

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 1.20%, up 32 bps year over year; NIM at 4.03%.
  • 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 (quarter, annualized)

1.20%+32 bps YoY

Net Interest Margin (quarter, annualized)

4.03%+45 bps YoY

Efficiency Ratio (quarter, annualized)

64.52%-110 bps YoY

Tier 1 Leverage Ratio

11.12%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.19%0.87%1.51%1.20%+32 bps
Return on Equity8.48%10.75%7.80%13.93%11.12%+264 bps
Net Interest Margin3.57%3.93%4.11%4.11%4.03%+45 bps
Efficiency Ratio65.63%58.47%68.36%56.28%64.52%-110 bps
Non-Interest Burden2.08%1.97%2.56%1.98%2.32%+25 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 / Loans0.16%-0.01%0.00%0.00%0.00%-16 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