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
Unfavorable gap of $1.2M · efficiency ratio beats 7% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.70% | 1.03% | 1.34% | Beats 10% | 136 / 151 | | |
| Return on Equity | 4.10% | 6.74% | 9.34% | 12.94% | Beats 12% | 133 / 151 | | |
| Net Interest Margin | 3.54% | 3.02% | 3.43% | 3.83% | Beats 60% | 60 / 151 | | |
| Efficiency Ratio | 89.97% | 54.64% | 64.89% | 72.50% | Beats 7% | 141 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.71% | 0.20% | 0.66% | 1.77% | Beats 9% | 136 / 149 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.07% | Beats 30% | 105 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 15.77% | 11.83% | 14.17% | 18.66% | Beats 62% | 57 / 151 | | |
| Total Risk-Based Capital Ratio | 16.68% | 12.22% | 14.54% | 19.92% | Beats 64% | 55 / 151 | | |
| Equity / Assets | 8.54% | 9.10% | 10.65% | 12.40% | Beats 23% | 117 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.39% | 54.39% | 71.02% | 80.75% | 25th pctl | 112 / 149 | | |
| Loans / Assets | 49.54% | 45.91% | 61.31% | 68.01% | 32nd pctl | 103 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |