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Buena Vista National Bank

$100M-$1B Specialty: Commercial IL FDIC cert 10844

Chester, IL

8 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +10.6% year over year ($294.2M on the books).
  • Delinquency rate 0.36%.
  • Return on assets 1.35%.
  • Efficiency ratio 60.43% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Buena Vista National Bank shows strong momentum with 3 strengths and 8.4% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.43% above tier average
  • + Efficiency Ratio 4.05% below tier average
  • + Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Buena Vista National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $344.0M
+8.4% YoY +2.2% QoQ
-$42.5M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $229.2M
+23.9% YoY +7.0% QoQ
-$29.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $294.2M
+10.6% YoY +2.4% QoQ
-$32.5M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
54%
Return on Assets ? 1.35%
+28.8% YoY -10.3% QoQ
+0.03% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 4.42%
+11.6% YoY -0.9% QoQ
+0.43% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 60.43%
-3.4% YoY +7.4% QoQ
-4.05% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.36%
-15.0% YoY +117.4% QoQ
-0.56% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 77.90%
+12.1% YoY +4.4% QoQ
-0.05% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 19.26%
-8.6% YoY -8.8% QoQ
-2.77% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.25%
-11.4% YoY +80.7% QoQ
-0.41% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 14.57%
-9.5% YoY -2.9% QoQ
-1.34% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.35%
-1.9% YoY +99.4% QoQ
-0.21% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 19.3%
-1.8pp YoY
-1.9pp QoQ
 -2.9pp 22.1% 20.1% 22.2% 41%
Brokered Deposits 0.0% -7.9pp 7.9% 8.0% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 6.5%
+0.8pp YoY
+0.4pp QoQ
 -5.0pp 11.6% 14.7% 12.5% 30%
CRE 36.7%
-1.1pp YoY
+0.7pp QoQ
 -2.9pp 39.5% 37.9% 41.4% 46%
1-4 Family 39.7%
-0.3pp YoY
-0.7pp QoQ
 +7.1pp 32.6% 28.3% 31.3% 70%
Consumer 10.9%
+0.5pp YoY
-0.2pp QoQ
 +6.8pp 4.1% 5.4% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 14.6%
-1.5pp YoY
-0.4pp QoQ
 -4.3pp 18.8% 19.9% 19.7% 45%
Leverage Ratio 11.1%
+0.1pp YoY
0.0pp QoQ
 -1.1pp 12.2% 12.2% 12.6% 52%
Total Capital Ratio 15.8%
-1.5pp YoY
-0.4pp QoQ
 -4.1pp 19.9% 20.9% 20.8% 46%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 66
+3 (+4.8%) YoY
0 QoQ
 +7 58 228 482 68%
Assets per Employee ($) $5.2M
+3.4% YoY
+2.2% QoQ
 -$2.3M $7.5M $8.3M $8.8M 18%
Branch Count 8
0 YoY
0 QoQ
 +3 4 10 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 36%
Nonaccrual 0.3%
-0.1pp YoY
+0.2pp QoQ
 -0.6pp 0.9% 1.1% 1.0% 40%
Allowance Coverage 3.99x
+14.0% YoY
-56.0% QoQ
 -20.17x 24.15x 5.62x 20.23x 65%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
 -0.1pp 0.1% 0.1% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 12.5%
+2.2pp YoY
-1.4pp QoQ
 +0.3pp 12.2% 10.5% 11.6% 52%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
+0.1pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 33%
Net Income ($, YTD) $2.3M
+36.8% YoY
— QoQ
 -$286K $2.6M $11.7M $40.4M 58%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

525
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#525 of 2643 Top 19.8% in $100M-$1B
643
Net Interest Margin
profitability
Value: 4.42%
Peer Median: 3.99%
#643 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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