Bank Comparison
Buena Vista National Bank vs Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Buena Vista National Bank | Heritage Bank |
|---|---|---|
| CET1 Ratio | 15.01% | 11.19% |
| Tier 1 Capital Ratio | 15.01% | 11.19% |
| Total Capital Ratio | 16.26% | 12.37% |
| Tier 1 Leverage Ratio | 11.14% | 9.93% |
| Equity / Assets | 10.78% | 10.47% |
Profitability
| Metric | Buena Vista National Bank | Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 1.51% | 1.90% |
| Return on Equity (ROE) | 13.93% | 16.75% |
| Net Interest Margin (NIM) | 4.40% | 4.54% |
| Yield on Earning Assets | 5.76% | 6.66% |
| Cost of Funds | 1.46% | 2.14% |
Asset quality
| Metric | Buena Vista National Bank | Heritage Bank |
|---|---|---|
| Texas Ratio | 1.28% | 3.42% |
| Non-Performing Loan Ratio | 0.14% | 0.01% |
| Non-Performing Asset Ratio | 0.13% | 0.01% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.49% | 1.33% |
Balance sheet
| Metric | Buena Vista National Bank | Heritage Bank |
|---|---|---|
| Total Assets | $336,492K | $335,781K |
| Total Deposits | $287,249K | $244,912K |
| Total Loans | $217,523K | $235,230K |
| Total Equity | $36,266K | $35,154K |
| Net Income (quarter) | $1,247K | $1,451K |
Liquidity & funding
| Metric | Buena Vista National Bank | Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.73% | 96.05% |
| Core Deposit Ratio | 89.32% | 94.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Buena Vista National Bank | Heritage Bank |
|---|---|---|
| Headquarters City | CHESTER | TOPEKA |
| Headquarters State | IL | KS |
| Asset Tier | Small | Small |
| Charter Class | 14479 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 66 | 47 |
| Established | Jan. 1, 1905, midnight | April 14, 2003, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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