Chester, IL · Cert 10844 · Buena Vista Bcorp Inc.
National charter · OCC · 8 branches
Q2 2026
Market Position · Decatur, IL · 2026 SOD (annual) · 1.4% share · #11 of 13 inst. · $0.0B of $2.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.96% | 1.22% | 1.05% | 1.10% | 1.04% | 1.51% | 1.35% | +30 bps | |
| Return on Equity | 9.89% | 9.72% | 12.16% | 10.28% | 10.44% | 9.79% | 13.93% | 12.50% | +222 bps | |
| Net Interest Margin | 3.33% | 3.33% | 3.45% | 3.52% | 3.67% | 3.75% | 4.11% | 4.01% | +49 bps | |
| Efficiency Ratio | 65.81% | 66.46% | 59.42% | 62.58% | 61.12% | 63.08% | 56.28% | 60.43% | -215 bps | |
| Non-Interest Burden | 1.92% | 1.94% | 1.76% | 1.92% | 1.94% | 2.08% | 1.98% | 2.12% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.42% | 4.39% | 7.27% | 7.19% | 3.49% | 4.68% | 5.40% | 8.35% | +117 bps | |
| Loan Growth (YoY) | 7.70% | 12.01% | 6.88% | 1.36% | 8.68% | 11.95% | 15.71% | 23.86% | +2,250 bps | |
| Deposit Growth (YoY) | 10.02% | 4.73% | 7.41% | 7.18% | 3.03% | 4.91% | 6.76% | 10.56% | +337 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.21% | 0.46% | 0.42% | 0.37% | 0.27% | 0.16% | 0.36% | -6 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.03% | 0.09% | 0.06% | 0.04% | 0.00% | 0.00% | -10 bps | |
| Allowance / Loans | 1.40% | 1.42% | 1.46% | 1.47% | 1.41% | 1.49% | 1.49% | 1.42% | -4 bps | |
| Allowance Coverage of NPLs | 9.4x | 6.9x | 3.2x | 3.5x | 3.8x | 5.5x | 9.1x | 4.0x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 10.89% | 10.69% | 10.97% | 11.31% | 10.94% | 11.14% | 11.12% | +15 bps | |
| Total Risk-Based Capital | 17.03% | 16.56% | 16.99% | 17.34% | 17.51% | 16.46% | 16.26% | 15.82% | -152 bps | |
| Equity / Assets | 10.71% | 9.83% | 10.17% | 10.67% | 11.47% | 10.90% | 10.78% | 10.84% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.36% | 72.32% | 69.87% | 70.54% | 76.33% | 77.17% | 75.73% | 79.03% | +849 bps | |
| Liquid Assets / Assets | 4.25% | 5.65% | 7.28% | 5.68% | 2.17% | 4.09% | 4.67% | 2.77% | -291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 193.26% | 203% | 210% | n/a | n/a | |