BlastPoint's Banking Scorecard
State Bank of Nauvoo
Micro
Specialty: Other
IL
FDIC cert 13582
Designations: ✓ Community bank
Nauvoo, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
State Bank of Nauvoo faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.15% below tier
- - Delinquency Rate 3.95% above tier
- - Nonperforming Asset Ratio 2.78% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.7M
-1.7% YoY
-4.7% QoQ
|
-$180.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$18.5M
-6.5% YoY
-1.0% QoQ
|
-$120.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$33.4M
-1.7% YoY
-5.0% QoQ
|
-$150.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
-0.06%
-193.9% YoY
-250.4% QoQ
|
-1.15% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
4.00%
+4.2% YoY
+1.8% QoQ
|
+0.14% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
80.85%
+4.6% YoY
+0.5% QoQ
|
+13.13% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
4.59%
-28.8% YoY
+0.5% QoQ
|
+3.95% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
55.33%
-4.8% YoY
+4.3% QoQ
|
-19.19% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
22.56%
-12.7% YoY
+2.3% QoQ
|
+0.17% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
3.24%
-18.9% YoY
-4.7% QoQ
|
+2.78% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
15.45%
-10.1% YoY
+3.4% QoQ
|
+6.60% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.35%
+26.6% YoY
+53.1% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.59%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.24%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.56% · Tier avg: 22.39%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
20
20th pctile
Efficiency Ratio
Current: 80.85% · Tier avg: 67.73%
18
18th pctile
Loan-to-Deposit Ratio
Current: 55.33% · Tier avg: 74.53%
6
6th pctile
Total Loans
Current: $18.5M · Tier avg: $139.2M
6
6th pctile
Return on Assets
Current: -0.06% · Tier avg: 1.08%
5
5th pctile
Total Deposits
Current: $33.4M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $36.7M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 4.59% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.24% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.24% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.59% · Tier avg: 0.64%
4
4th pctile
Total Assets
Current: $36.7M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $33.4M · Tier avg: $183.7M
6
6th pctile
Return on Assets
Current: -0.06% · Tier avg: 1.08%
6
6th pctile
Total Loans
Current: $18.5M · Tier avg: $139.2M
18
18th pctile
Loan-to-Deposit Ratio
Current: 55.33% · Tier avg: 74.53%
20
20th pctile
Efficiency Ratio
Current: 80.85% · Tier avg: 67.73%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.56% · Tier avg: 22.39%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 8.85%