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State Bank of Nauvoo

Nauvoo, IL · Cert 13582

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Bank of Nauvoo

Nauvoo, IL · Cert 13582

State charter, non-member · FDIC · 2 branches

Q2 2026

$37.7MAssets
$18.7MLoans
$34.4MDeposits
$3.2MEquity
Loan mix
77%RE $13.3M12%C&I $2.0M11%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $25.7M25%Noninterest $8.6MQ2 2025Q2 2026

NIM

4.35%Q2 ’244.67%Q2 ’254.48%Q2 ’26+4%-3%

Non-interest income vs. expense

2.97%Q2 ’243.20%Q2 ’253.31%Q2 ’26+11%+9%

Executive Summary

  • Earnings: ROA of 0.35%, up 54 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 3.71% of loans (-11 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.31%, up 1 bps from a year ago.
  • Funding: loans stand at 54.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.54%-12 bps YoY

Efficiency Ratio (YTD, annualized)

89.97%+884 bps YoY

Tier 1 Leverage Ratio

8.31%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.18%0.04%-0.06%0.29%0.35%+54 bps
Return on Equity-2.13%0.50%-0.75%3.41%4.14%+627 bps
Net Interest Margin3.66%3.57%3.63%3.57%3.54%-12 bps
Efficiency Ratio81.13%80.49%80.85%91.74%89.97%+884 bps
Non-Interest Burden2.90%2.81%2.87%3.26%3.16%+25 bps
Growth
Asset Growth (YoY)-5.49%-0.53%-1.68%2.31%4.57%+1,006 bps
Loan Growth (YoY)-8.95%-9.17%-7.92%-9.72%-1.95%+700 bps
Deposit Growth (YoY)-5.71%-0.31%-1.71%2.85%4.63%+1,035 bps
Asset Quality
Nonperforming Loans / Loans3.82%4.48%4.55%2.35%3.71%-11 bps
Net Charge-Offs / Loans3.21%2.20%3.37%0.11%0.02%-319 bps
Allowance / Loans1.89%1.99%0.93%0.90%0.91%-98 bps
Allowance Coverage of NPLs0.5x0.4x0.2x0.4x0.2x-0.2x
Capital
Tier 1 Leverage Ratio8.30%8.17%8.15%8.35%8.31%+1 bps
Total Risk-Based Capital16.30%16.20%16.37%16.47%16.68%+38 bps
Equity / Assets8.72%8.30%8.61%8.42%8.54%-18 bps
Liquidity & Funding
Loans / Deposits58.04%54.14%55.85%53.72%54.39%-365 bps
Liquid Assets / Assets41.50%42.93%41.77%43.73%39.95%-155 bps
CRE / Total Capitaln/a27.50%26.18%25.67%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

State Bank of Nauvoo

Nauvoo, IL · Cert 13582 · Peer group: banks under $1B in assets in IL (n=149-151)

State charter, non-member · FDIC · 2 branches

Q2 2026

$37.7MAssets
$18.7MLoans
$34.4MDeposits
$3.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 64% of banks under $1B in assets in IL (rank 55 of 151).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets in IL (rank 141 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.35%

Rank 136 of 151

Net Interest Margin

3.54%

Rank 60 of 151

Efficiency Ratio

89.97%

Rank 141 of 151

Equity / Assets

8.54%

Rank 117 of 151

Non-interest income vs. expense

$0.1M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 7% of banks under $1B in assets in IL
Bank 89.97%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.70%1.03%1.34%Beats 10%136 / 151
Return on Equity4.10%6.74%9.34%12.94%Beats 12%133 / 151
Net Interest Margin3.54%3.02%3.43%3.83%Beats 60%60 / 151
Efficiency Ratio89.97%54.64%64.89%72.50%Beats 7%141 / 151
Asset Quality
Nonperforming Loans / Loans3.71%0.20%0.66%1.77%Beats 9%136 / 149
Net Charge-Offs / Loans0.05%0.00%0.02%0.07%Beats 30%105 / 149
Capital
Tier 1 Capital Ratio15.77%11.83%14.17%18.66%Beats 62%57 / 151
Total Risk-Based Capital Ratio16.68%12.22%14.54%19.92%Beats 64%55 / 151
Equity / Assets8.54%9.10%10.65%12.40%Beats 23%117 / 151
Liquidity & Funding
Loans / Deposits54.39%54.39%71.02%80.75%25th pctl112 / 149
Loans / Assets49.54%45.91%61.31%68.01%32nd pctl103 / 151
Brokered Deposits / Depositsn/aNot reported for this institution