State Bank of Nauvoo: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Consumer dropped 0.83 percentage points in Q2 2026, from 10.29% to 9.46%. It was the largest change from Q1 2026 among the key lines here. State Bank of Nauvoo ranks 264th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 54.39% (Q2 2026). State Bank of Nauvoo reported 54.39% on loan-to-deposit ratio for Q2 2026, 13.24 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.7M |
| Net loans and leases | $18.5M |
| Loans held for sale | $0 |
| Loans to total assets | 49.54% |
| Loan-to-deposit ratio | 54.39% |
| Net loans to equity capital | 5.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.21% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.82% |
| Consumer | 9.46% |
| Credit cards | 0.00% |
| Farm | 18.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 23.75% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.08% |
| Interest income on loans | $282K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $21.9M | $36.1M | 5.50% | 10.84% | 13.65% |
| Q4 2023 | $21.0M | $34.3M | 5.62% | 11.12% | 13.29% |
| Q1 2024 | $20.8M | $33.8M | 5.62% | 12.36% | 12.13% |
| Q2 2024 | $20.9M | $34.8M | 5.54% | 13.13% | 11.64% |
| Q3 2024 | $21.0M | $35.3M | 5.50% | 13.50% | 11.58% |
| Q4 2024 | $20.3M | $34.0M | 5.62% | 12.05% | 11.58% |
| Q1 2025 | $20.6M | $33.6M | 6.32% | 12.15% | 11.40% |
| Q2 2025 | $19.1M | $32.8M | 5.71% | 12.05% | 11.56% |
| Q3 2025 | $19.1M | $35.2M | 4.47% | 12.16% | 11.04% |
| Q4 2025 | $18.7M | $33.4M | 4.32% | 10.74% | 10.51% |
| Q1 2026 | $18.6M | $34.6M | 4.29% | 10.76% | 10.29% |
| Q2 2026 | $18.7M | $34.4M | 4.21% | 10.82% | 9.46% |
State Bank of Nauvoo loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Nauvoo, freeSource: Call Report Schedule RC-C, 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)