State Bank of Nauvoo: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.13 percentage points lower than in Q1 2026, at 33.40%. State Bank of Nauvoo ranks 283rd of 323 Illinois banks on return on assets, in the lower half at 0.41% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, State Bank of Nauvoo reported 0.41% on return on assets in Q2 2026, 0.57 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.77% |
| Tier 1 risk-based capital ratio | 15.77% |
| Total risk-based capital ratio | 16.68% |
| Tier 1 leverage ratio | 8.31% |
| Equity capital to assets | 8.54% |
| Tangible equity to tangible assets | 8.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.72% |
| Non-performing assets ratio | 2.26% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 30.60% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 33.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.41% |
| Return on equity | 4.87% |
| Net interest margin | 3.79% |
| Efficiency ratio | 88.04% |
| Yield on earning assets | 4.83% |
| Cost of funds | 1.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.39% |
| Core deposits to total deposits | 98.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.09% |
| Securities to assets | 0.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.74% | 15.74% | 16.99% | 8.07% | 0.51% |
| Q4 2023 | 16.12% | 16.12% | 17.38% | 7.93% | -0.71% |
| Q1 2024 | 17.17% | 17.17% | 18.43% | 8.36% | 0.57% |
| Q2 2024 | 17.33% | 17.33% | 18.59% | 8.44% | 0.51% |
| Q3 2024 | 17.41% | 17.41% | 18.67% | 8.44% | 0.31% |
| Q4 2024 | 17.19% | 17.19% | 18.45% | 8.21% | -1.10% |
| Q1 2025 | 17.31% | 17.31% | 18.58% | 8.45% | 0.73% |
| Q2 2025 | 15.04% | 15.04% | 16.30% | 8.30% | -1.11% |
| Q3 2025 | 14.94% | 14.94% | 16.20% | 8.17% | 0.48% |
| Q4 2025 | 15.45% | 15.45% | 16.37% | 8.15% | -0.38% |
| Q1 2026 | 15.57% | 15.57% | 16.47% | 8.35% | 0.29% |
| Q2 2026 | 15.77% | 15.77% | 16.68% | 8.31% | 0.41% |
State Bank of Nauvoo vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Nauvoo, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)