Buena Vista National Bank (FDIC certificate #10844) is based in Chester, Illinois. Its Q2 2026 call report shows $344.0M in total assets and $294.2M in deposits and 8 offices.
Buena Vista National Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 90th. Problem-loan coverage contributes the most (96/100, 2.2%); capital cushion contributes the least (61/100, 11.12%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (75 → 77), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 76 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 75 |
| Q3 2025 | 76 |
| Q4 2025 | 74 |
| Q1 2026 | 80 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.92% |
| Q3 2024 | 11.09% |
| Q4 2024 | 10.89% |
| Q1 2025 | 10.69% |
| Q2 2025 | 10.97% |
| Q3 2025 | 11.31% |
| Q4 2025 | 10.94% |
| Q1 2026 | 11.14% |
| Q2 2026 | 11.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.96% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $344.0M | 11.12% | 0.36% | 1.35% | 77.9% |
| Q1 2026 | 80 | $336.5M | 11.14% | 0.16% | 1.51% | 74.6% |
| Q4 2025 | 74 | $324.3M | 10.94% | 0.27% | 1.04% | 76.0% |
| Q3 2025 | 76 | $311.6M | 11.31% | 0.37% | 1.10% | 75.3% |
| Q2 2025 | 75 | $317.5M | 10.97% | 0.42% | 1.05% | 69.5% |
| Q1 2025 | 75 | $319.2M | 10.69% | 0.46% | 1.22% | 68.8% |
| Q4 2024 | 75 | $309.8M | 10.89% | 0.21% | 0.96% | 71.3% |
| Q3 2024 | 76 | $301.1M | 11.09% | 0.15% | 0.98% | 71.3% |
| Q2 2024 | 75 | $296.2M | 10.92% | 0.16% | 0.88% | 73.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of ToulonBank Toulon, IL | 77 out of 100, Strong | $343.4M | 10.5% | 0.13% | vs |
| Farmers State Bank of Alto Pass, Ill.Bank Alto Pass, IL | 53 out of 100, Below average | $342.4M | 9.5% | 2.52% | vs |
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| The Bank of HerrinBank Herrin, IL | 65 out of 100, Moderate | $349.2M | 8.8% | 0.83% | vs |
| The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL | 96 out of 100, Very strong | $337.1M | 16.1% | 0.03% | vs |
Deposit insurance
Is my money safe at Buena Vista National Bank?
Yes. Buena Vista National Bank is an FDIC-insured institution (FDIC certificate #10844). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.6% of deposits ($51.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.82% (benchmark: 10%).
8 locations
Branches
Buena Vista National Bank lists 8 offices in 6 cities. Most locations:
- Chester, IL (2)
- Red Bud, IL (2)
- Decatur, IL (1)
- Evansville, IL (1)
- Prairie Du Rocher, IL (1)
- Warrensburg, IL (1)
HMDA 2025
Mortgage lending
In 2025, Buena Vista National Bank reported 204 home-loan applications under HMDA (LEI 549300CSKW4TNZHEOO36): 173 originated ($29,675,000 total), 8 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Buena Vista National Bank
- Former names
- Buena Vista National Bank of Chester
- Type
- National bank
- FDIC certificate #
- 10844
- RSSD ID
- 621441
- Primary regulator
- OCC
- Holding company
- Buena Vista Bcorp Inc
- Established
- January 1, 1905
- Headquarters
- 1309 Swanwick St, Chester, IL 62233
- Website
- www.bvnb.com
- Employees
- 66
Quick answers
Buena Vista National Bank: common questions
Is Buena Vista National Bank FDIC insured?
Yes. Buena Vista National Bank is an FDIC-insured institution (FDIC certificate #10844). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Buena Vista National Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Buena Vista National Bank ever failed?
There is no failure record for FDIC certificate #10844 in the FDIC failed bank list.
How many branches does Buena Vista National Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of SteelevilleBank Steeleville, IL | 90 out of 100, Very strong | $274.5M | 13.5% | 0.44% | vs |
| The First National Bank of SpartaBank Sparta, IL | 84 out of 100, Strong | $114.6M | 12.6% | 0.56% | vs |
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
| First State Bank of Campbell HillBank Campbell Hill, IL | 76 out of 100, Strong | $160.1M | 13.8% | 1.59% | vs |
| Bloomsdale BankBank Bloomsdale, MO | 73 out of 100, Strong | $390.2M | 8.9% | 0.30% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |