State Bank of Nauvoo
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Nauvoo is an FDIC-insured commercial bank headquartered in Nauvoo, IL, established in 1893 (FDIC certificate 13582), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $37.7M, up 4.6% from Q2 2025, the 303rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13582
- Headquarters
- Nauvoo, IL
- Established
- 1893
- Total assets, Q2 2026
- $37.7M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 15.77%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071108643
- Latest call report
- Q2 2026, FFIEC 041 · State Bank of Nauvoo call report
- Asset rank in state
- 303rd of 319 in Illinois
State Bank of Nauvoo operates with a thinner capital cushion than most banks of its size. Based in Nauvoo, Illinois, it had $38 million in assets at June 30, 2026, up 4.6% from a year earlier. It funds 8.31% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). It also carries problem assets equal to 30.6% of the capital and reserves that would absorb them, 22.2 times the median of 1.4% for banks its size.
Its $2.0 million commercial and industrial book is improving, with 12.76% past due or on nonaccrual, down from 14.67% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 1.9% and deposits rose 4.6%. Costs are the weak spot: it spends about 88 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, State Bank of Nauvoo reported a CET1 capital ratio of 15.77%, a return on assets of 0.41%, a nonperforming-loan ratio of 3.71% and a Texas ratio of 30.60%. The figures come from its call report filed with the FFIEC.
State Bank of Nauvoo ranks as the 303rd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $37.7M, loans rose 0.6% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 50.4% of total loans, ahead of farmland and other real estate loans at 18.3%. The FDIC Summary of Deposits lists 2 offices for it, in Nauvoo, IL and Niota, IL; its Nauvoo office books 92% of its branch deposits. By the capital ratios in its Q2 2026 call report, State Bank of Nauvoo meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1205 Mulholland St, Nauvoo, IL 62354
- County
- Hancock
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 17, 1893
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $34.4M
- Allowance for credit losses
- $170K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $37.9M
- Average total loans
- $18.6M
- Average interest-bearing deposits
- $25.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 8, 1934
- FDIC Cert
- 13582
- Fed RSSD
- 783349
- Website
- www.statebankofnauvoo.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank of Nauvoo's total assets ranged from $36.1M (Q2 2025) to $39.4M (Q3 2023), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$37.7M total assets against $36.1M; $34.5M total liabilities against $32.9M.
$18.5M net loans and leases against $18.7M; $34.4M total deposits against $32.8M.
$263K securities against $718K; $16.9M cash and balances due against $14.5M.
$429K total interest income against $437K; $92K total interest expense against $95K.
$337K net interest income against $342K.
$22K total noninterest income against $31K; $317K total noninterest expense against $305K.
$0 provision for credit losses against $165K.
$39K net income against -$102K.
0.41% return on assets against -1.11%; 3.79% net interest margin against 3.92%.
15.77% CET1 capital ratio against 15.04%; 8.31% tier 1 leverage ratio against 8.30%.
Inside the full State Bank of Nauvoo terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
State Bank of Nauvoo rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.11% (Q2 2025) to 0.73% (Q1 2025) and its net interest margin ran from 3.72% (Q1 2025) to 4.05% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.77% | 0.41% | 3.71% | 30.60% | 3.79% |
| Q1 2026 | 15.57% | 0.29% | 2.35% | 23.10% | 3.80% |
| Q4 2025 | 15.45% | -0.38% | 4.55% | 35.65% | 4.00% |
| Q3 2025 | 14.94% | 0.48% | 4.48% | 36.58% | 3.85% |
| Q2 2025 | 15.04% | -1.11% | 3.82% | 36.13% | 3.92% |
| Q1 2025 | 17.31% | 0.73% | 6.27% | 40.12% | 3.72% |
| Q4 2024 | 17.19% | -1.10% | 6.28% | 40.44% | 3.94% |
| Q3 2024 | 17.41% | 0.31% | 6.21% | 40.98% | 4.05% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank of Nauvoo (main office) | Nauvoo , IL | 62354 | $31.5M |
| Niota Branch Facility | Niota , IL | 62358 | $2.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 355 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about State Bank of Nauvoo
What are State Bank of Nauvoo's total assets?
As of the Q2 2026 filing, State Bank of Nauvoo reported total assets of $37.7 million in its FFIEC call report.
Where is State Bank of Nauvoo headquartered?
It is headquartered in Nauvoo, IL, United States.
When was State Bank of Nauvoo founded?
It was established in 1893, per the FDIC institution directory.
Is State Bank of Nauvoo FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13582). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Nauvoo?
State Bank of Nauvoo's primary federal regulator is the FDIC.
What is State Bank of Nauvoo's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank of Nauvoo operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Nauvoo's Texas Ratio?
Its Texas Ratio is 30.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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