| 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% | 23th | |
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% | 82th |
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 |
|---|---|---|---|---|
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% |
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