Buena Vista National Bank
Also written as BVNB
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Data as of · sourced from FFIEC call reports. How we update
Buena Vista National Bank is an FDIC-insured commercial bank headquartered in Chester, IL, established in 1905 (FDIC certificate 10844), and it is supervised by the OCC. At Q2 2026 it reported total assets of $344.0M, up 8.4% from Q2 2025, the 136th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 10844
- Headquarters
- Chester, IL
- Established
- 1905
- Total assets, Q2 2026
- $344.0M
- Assets vs Q2 2025
- +8.4%
- CET1 ratio, Q2 2026
- 14.57%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 081905292
- Latest call report
- Q2 2026, FFIEC 051 · Buena Vista National Bank call report
- Holding company
- BUENA VISTA BANCORP, INC.
- Asset rank in state
- 136th of 319 in Illinois
Buena Vista National Bank, based in Chester, Illinois, reported $344 million in assets at June 30, 2026, up 8.4% from a year earlier. It grew its loan book 23.9% over the year, 4.3 times the median of 5.5% for the 2,627 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $1.0 million, 45% above the same quarter a year earlier. Over the same year, loans grew 23.9% and deposits grew 10.6%.
As of June 30, 2026, Buena Vista National Bank reported a CET1 capital ratio of 14.57%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.29%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Buena Vista National Bank is the 136th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 2.2% to $344.0M, loans rose 6.9% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.2% of total loans, followed by owner-occupied commercial real estate loans at 14.9%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in IL; its Chester 2 offices book 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, Buena Vista National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1309 Swanwick St, Chester, IL 62233
- County
- Randolph
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $294.2M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $341.1M
- Average total loans
- $224.4M
- Average interest-bearing deposits
- $225.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10844
- Fed RSSD
- 621441
- SEC CIK
- 845926 → filed by BUENA VISTA BANCORP, INC.
- Website
- www.bvnb.com →
- Parent Holding Company
- BUENA VISTA BANCORP, INC. (RSSD 1399578)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Buena Vista National Bank's total assets moved between a low of $277.7M (Q3 2023) and a high of $344.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$344.0M total assets against $317.5M; $306.8M total liabilities against $283.6M.
$229.2M net loans and leases against $185.0M; $294.2M total deposits against $266.1M.
$76.9M securities against $82.1M; $16.3M cash and balances due against $31.0M.
$4.6M total interest income against $4.0M; $1.2M total interest expense against $1.2M.
$3.4M net interest income against $2.9M.
$619K total noninterest income against $594K; $2.6M total noninterest expense against $2.3M.
$82K provision for credit losses against $75K.
$1.0M net income against $703K.
1.20% return on assets against 0.87%; 4.33% net interest margin against 3.85%.
14.57% CET1 capital ratio against 16.09%; 11.12% tier 1 leverage ratio against 10.97%.
Inside the full Buena Vista National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBuena Vista National Bank rankings
Its closest position to the top of a national ranking is 979 of 2,134, for CET1 ratio; its furthest is 2,264 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.85% (Q4 2025) to 1.51% (Q1 2026) and its net interest margin ran from 3.75% (Q1 2025) to 4.41% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.57% | 1.20% | 0.36% | 2.29% | 4.33% |
| Q1 2026 | 15.01% | 1.51% | 0.16% | 1.28% | 4.40% |
| Q4 2025 | 15.21% | 0.85% | 0.27% | 1.92% | 4.41% |
| Q3 2025 | 16.26% | 1.16% | 0.37% | 2.38% | 4.22% |
| Q2 2025 | 16.09% | 0.87% | 0.42% | 2.67% | 3.85% |
| Q1 2025 | 15.74% | 1.17% | 0.46% | 2.84% | 3.75% |
| Q4 2024 | 15.32% | 0.90% | 0.21% | 1.27% | 3.78% |
| Q3 2024 | 15.80% | 1.16% | 0.15% | 0.86% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Buena Vista National Bank (main office) | Chester , IL | 62233 | $147.5M |
| Red Bud Branch | Red Bud , IL | 62278 | $69.8M |
| Prairie Du Rocher Branch | Prairie Du Rocher , IL | 62277 | $31.8M |
| Decatur Citizens Community Branch | Decatur , IL | 62526 | $21.1M |
| Warrensburg Branch | Warrensburg , IL | 62573 | $11.0M |
| Evansville Branch | Evansville , IL | 62242 | $6.8M |
| Chester Market Place Branch | Chester , IL | 62233 | $4.7M |
| Red Bud Branch | Red Bud , IL | 62278 | $1.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired State Bank of Prairie du Rocher Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 2008 | Structure Change | Acquired Bank of Warrensburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 14, 2006 | Structure Change | Acquired Citizens Community Bank of Decatur Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 13, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired Bank of Evansville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 163 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 204 applications, 173 loans originated, $29.7M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Buena Vista National Bank
What are Buena Vista National Bank's total assets?
As of the Q2 2026 filing, Buena Vista National Bank reported total assets of $344.0 million in its FFIEC call report.
Where is Buena Vista National Bank headquartered?
It is headquartered in Chester, IL, United States.
When was Buena Vista National Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Buena Vista National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10844). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Buena Vista National Bank?
Buena Vista National Bank's primary federal regulator is the OCC.
What is Buena Vista National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Buena Vista National Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Buena Vista National Bank's Texas Ratio?
Its Texas Ratio is 2.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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