State Bank of Nauvoo: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.1% between Q1 2026 and Q2 2026, to $1.9M. State Bank of Nauvoo ranks 88th of 198 Illinois banks on CET1 ratio, in the upper half at 15.77% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. State Bank of Nauvoo sits 3.79 points lower, at 15.77% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.77% |
| Tier 1 risk-based capital ratio | 15.77% |
| Total risk-based capital ratio | 16.68% |
| Tier 1 leverage ratio | 8.31% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.1M |
| Tier 1 capital | $3.1M |
| Total risk-based capital | $3.3M |
| Total equity capital | $3.2M |
| Risk-weighted assets | $19.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.54% |
| Tangible equity to tangible assets | 8.54% |
| Equity capital to average assets | 8.50% |
| Internal capital growth rate | 4.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $110K |
| Common stock surplus | $1.2M |
| Retained earnings | $1.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.74% | 15.74% | 16.99% | 8.07% | $19.5M |
| Q4 2023 | 16.12% | 16.12% | 17.38% | 7.93% | $18.9M |
| Q1 2024 | 17.17% | 17.17% | 18.43% | 8.36% | $18.0M |
| Q2 2024 | 17.33% | 17.33% | 18.59% | 8.44% | $18.1M |
| Q3 2024 | 17.41% | 17.41% | 18.67% | 8.44% | $18.2M |
| Q4 2024 | 17.19% | 17.19% | 18.45% | 8.21% | $17.9M |
| Q1 2025 | 17.31% | 17.31% | 18.58% | 8.45% | $18.2M |
| Q2 2025 | 15.04% | 15.04% | 16.30% | 8.30% | $20.3M |
| Q3 2025 | 14.94% | 14.94% | 16.20% | 8.17% | $20.7M |
| Q4 2025 | 15.45% | 15.45% | 16.37% | 8.15% | $19.9M |
| Q1 2026 | 15.57% | 15.57% | 16.47% | 8.35% | $19.9M |
| Q2 2026 | 15.77% | 15.77% | 16.68% | 8.31% | $19.9M |
State Bank of Nauvoo regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Nauvoo, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank of Nauvoo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13582) · FFIEC NIC profile (RSSD 783349)