PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.44%Q2 ’244.75%Q2 ’254.52%Q2 ’26+5%-4%

Non-interest income vs. expense

3.09%Q2 ’243.31%Q2 ’253.34%Q2 ’26+11%+5%

Executive Summary

  • Earnings: ROA of 0.41%, up 153 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 3.71% of loans (-11 bps YoY), with net recoveries of 0.06%.
  • 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 (quarter, annualized)

0.41%+153 bps YoY

Net Interest Margin (quarter, annualized)

3.56%-16 bps YoY

Efficiency Ratio (quarter, annualized)

88.30%+653 bps YoY

Tier 1 Leverage Ratio

8.31%+1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.12%0.49%-0.38%0.29%0.41%+153 bps
Return on Equity-12.76%5.80%-4.54%3.41%4.87%+1,763 bps
Net Interest Margin3.72%3.62%3.78%3.57%3.56%-16 bps
Efficiency Ratio81.77%79.26%81.86%91.74%88.30%+653 bps
Non-Interest Burden2.98%2.79%3.01%3.26%3.11%+14 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 / Loans6.44%0.17%6.77%0.11%-0.06%-651 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