Buena Vista National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Risk-weighted assets rose 5.9% in Q2 2026 to $258.3M, the biggest move on this page. Within Illinois, Buena Vista National Bank is 109th of 198 on CET1 ratio, 14.57% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Buena Vista National Bank sits 0.50 points lower, at 14.57% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.57% |
| Tier 1 risk-based capital ratio | 14.57% |
| Total risk-based capital ratio | 15.82% |
| Tier 1 leverage ratio | 11.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $37.6M |
| Tier 1 capital | $37.6M |
| Total risk-based capital | $40.9M |
| Total equity capital | $37.3M |
| Risk-weighted assets | $258.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.84% |
| Tangible equity to tangible assets | 10.18% |
| Equity capital to average assets | 10.93% |
| Internal capital growth rate | 11.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $14.0M |
| Retained earnings | $25.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.58% | 15.58% | 16.72% | 10.96% | $201.0M |
| Q4 2023 | 15.63% | 15.63% | 16.83% | 10.68% | $200.2M |
| Q1 2024 | 15.56% | 15.56% | 16.74% | 10.70% | $206.3M |
| Q2 2024 | 15.38% | 15.38% | 16.56% | 10.92% | $213.1M |
| Q3 2024 | 15.80% | 15.80% | 17.03% | 11.09% | $213.0M |
| Q4 2024 | 15.32% | 15.32% | 16.56% | 10.89% | $219.0M |
| Q1 2025 | 15.74% | 15.74% | 16.99% | 10.69% | $219.4M |
| Q2 2025 | 16.09% | 16.09% | 17.34% | 10.97% | $219.0M |
| Q3 2025 | 16.26% | 16.26% | 17.51% | 11.31% | $222.4M |
| Q4 2025 | 15.21% | 15.21% | 16.46% | 10.94% | $232.5M |
| Q1 2026 | 15.01% | 15.01% | 16.26% | 11.14% | $243.9M |
| Q2 2026 | 14.57% | 14.57% | 15.82% | 11.12% | $258.3M |
Buena Vista National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Buena Vista National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Buena Vista National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10844) · FFIEC NIC profile (RSSD 621441)