# BUENA VISTA NATIONAL BANK
CHESTER, IL · FDIC certificate 10844 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $344.0M | |
| Deposits | $294.2M | |
| Loans and leases | $232.5M | |
| Total equity | $37.3M | |
| Loans / deposits | 77.90% (p41 of band) | 82.04% |
| Liquid assets / assets | 27.10% (p56 of band) | |
| Uninsured deposits / deposits | 17.58% (p21 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.65% (p46 of band) | |
| FHLB advances / assets | 2.65% | |
| Tier 1 leverage | 11.12% (p57 of band) | 10.81% |
| Unrealized securities loss / equity | -10.71% (p41 of band) | -8.10% |
| AOCI / equity | -0.89% (p26 of band) | |
| ROA (annualized) | 1.35% (p55 of band) | 1.28% |
| Net interest margin | 4.42% (p78 of band) | 3.91% |
| Efficiency ratio | 60.43% (p47 of band) | |
| Noncurrent loans | 0.36% (p45 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 398.55% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 47.78% (p54 of band) | |
| Auto loans | $22.9M (9.86% of loans; DQ 0.75%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 66 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | assets shrinking |
| 2019-06 | 1 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, reserve under noncurrent |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-21 [Judith Ann Wilson Obituary Jan 21, 2026 - Wilson's Funeral Home | Ava, IL](https://news.google.com/rss/articles/CBMia0FVX3lxTE9aRzN5YnRxTENtaFlUUUJRNGpwa0VTUW00R2dVUjZFSUZDOEw4WDFZRnNzTlJzZWRlLWZpWW5YM0w1ZWZRZjBCUTQ2a0hQbEhKNzNFaUVQLUpNaHdZT3VFRTFCVVBRZXJ1Y2JJ?oc=5) · Wilson's Funeral Home | Ava, IL
- 2020-08-10 [Mildred "Millie" L. Layton Obituary Aug 10, 2020 - Pechacek Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5UY2FyVFYySGNfZGllZS1tU2s3UHhUNUlhSEhSUnlZNWktSloxQVFoU0tFWFlJRHgzenVlX0RKWHRiNlMzVEdJRHRLM2pUbkV6dW4wcy1HV24zUGJ4dnk0ZzFjcw?oc=5) · Pechacek Funeral Homes
- 2025-12-22 [Kara Demirjian Huss named chair of Illinois Manufacturers’ Association - The State Journal-Register](https://news.google.com/rss/articles/CBMizgFBVV95cUxQbVNNU2FZTlJWNThhRXlfYXk3U1B4STJlNC1sX1FQMkh0dExieXBMWERSQjhsMzRLLWNIWDhCZDZIdWU1NHZvSWhoRFdma1Z3cjBibVhyRFgyRUV6X0VzeFJ3a3pFSG80TzhRbXR0UGJfbmd3dng3enlDZ2lIYmo2aWRXbnNnbzF5M3NBeWhZOG5GeVBkWjN2eTNmLWF0dm1HRXIwTjhVY3Qyb24waGQwSm5HVEFPUkJZdC1ha3lmZEhtS2s3TEI1MFZOc24tdw?oc=5) · The State Journal-Register
- 2013-09-13 [Groups raising money for Fort Kaskaskia shelter destroyed by fire - Southern Illinoisan](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNTzl1M3VKYmNOcUY4cFJEZUk1d29yYVZwMThuZXZuWnd4WlZ6VC10NmhjNXFNcHlPT1RibFJvWkNOSVhtU01QeEhXZnNfX21leWFSYmd3U3lhUEROMmNuRkVJbFZnZUJoWnRyeGJnanJHRFZVbHFjajZmTlZRQjZwLVFwLWdqNnU1MEktSlZGQ2RUeVg1ckZNMXJET0xQYUhKWkpZbFZMNVBnLUlmdS14b1lqOXUxV1R3eVU4ajFoYVJDQVdPZnljYnJRZW1oSVdybXVMcUQyelFmRHpfRVF1ekxlamI?oc=5) · Southern Illinoisan
- 2022-05-10 [Reaching higher: Chester High School hosts Senior Signing Day - Marion Republican](https://news.google.com/rss/articles/CBMisAFBVV95cUxOUnp1OUF4UEQ3dU0tdnZsbXVPek45YV9Zcy1PTlRsYnZ6OFFlTzFtUnJXaFBHZ3AweXJnQ2g2MGt2bnM1MVU4cFE0Z1lwTEQtWTJwVkx4Q09sQWxYWU51ZHVXcy00eU1VTkhsejVnODVPT3pGSUdYQmxDeTZzaTZnWnhYOGUzUVFJUG95Y0k3cjV5RTNOajFWR29hcEJEejQ2NHd1RU9rdnhyTmI0cUwwYw?oc=5) · Marion Republican
- 2019-11-06 [Mary Jane Scott Obituary Nov 6, 2019 - Pechacek Funeral Homes](https://news.google.com/rss/articles/CBMiVEFVX3lxTFB5MWhfcHRBSGhCUC10Q0JaRFVPUXd6V242cFZXeWtQZS12c1l6X19fVGZsaWcwZ0E2Yk9ua1Y3T2RBOTFEU0VFX3l6X2NudFJYaHlnTg?oc=5) · Pechacek Funeral Homes
- 2009-05-20 [Leonard Colvis Obituary (2009) - CHESTER, IL - The Southern Illinoisan - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxNLTdlNUZ1UzJDQXhHT2xLRXZ0N29PQUcxSnRNMFZLTk93MkNyMXV2S0c4a0hldFdCNzNxYmE1QjJYRDJOYmhtMU16VlNnT2tkTDctNjhOb2U4bUxwYkU1djQ4OWhweFowdzlTa2VfMmpkcVdhbGtPLWVrd1kyWFZyck90OTdpSjJVTHNLY0JJOXlURVE?oc=5) · Legacy obituary
- 2017-02-11 [Todd A Boles Obituary Feb 11, 2017 - Pechacek Funeral Homes](https://news.google.com/rss/articles/CBMiUEFVX3lxTE1pcXV0ZHM3VVNoX3RlNlN5YmdGeXZYS05WeFc2OEN5bE5UaVJkZGdoUmFYd3E3TE1zNjR3Vzk3cFJCRlM3cTZKeUZmQVlBb1hT?oc=5) · Pechacek Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10844 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "10844", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide