| Metric | State Bank of Nauvoo | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.0% | +1.6 pts |
| Deposit growth (YoY) | +4.6% | +2.5% | +2.1 pts |
| Loan growth (YoY) | -1.0% | +2.6% | -3.6 pts |
| ROA | 0.35% | 0.99% | -0.6 pts |
| ROE | 4.1% | 8.1% | -3.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.7M | $34.4M | $18.5M | $3.2M | $66K | 0.35% | 3.92% | 2.75% |
| Q1 2026 | $37.8M | $34.6M | $18.4M | $3.2M | $27K | 0.29% | 3.86% | 2.05% |
| Q4 2025 | $36.7M | $33.4M | $18.5M | $3.2M | $-24K | -0.06% | 4.00% | 3.24% |
| Q3 2025 | $38.5M | $35.2M | $18.7M | $3.2M | $12K | 0.04% | 3.93% | 3.40% |
| Q2 2025 | $36.1M | $32.8M | $18.7M | $3.1M | $-34K | -0.18% | 3.93% | 3.51% |
| Q1 2025 | $36.9M | $33.6M | $20.1M | $3.2M | $68K | 0.73% | 3.83% | 4.07% |
| Q4 2024 | $37.3M | $34.0M | $19.8M | $3.2M | $26K | 0.07% | 3.83% | 3.99% |
| Q3 2024 | $38.7M | $35.3M | $20.6M | $3.3M | $130K | 0.46% | 3.76% | 3.92% |
Loan mix (Q2 2026): real estate $13.6M · commercial $2.0M · consumer $1.8M · securities $260K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | State Bank of Nauvoo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.99% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 8.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 70.8% | 82nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | State Bank of Nauvoo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | State Bank of Nauvoo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | State Bank of Nauvoo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | State Bank of Nauvoo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | State Bank of Nauvoo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $34.4M branch deposits. Biggest market: Hancock, IL, ranked 6th with 4.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hancock, IL | 2 | $34.4M | 4.52% | 6th |
Illinois: 457th with 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (22 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).