TellerScore

State Bank of Nauvoo (FDIC certificate #13582) is based in Nauvoo, Illinois. Its Q2 2026 call report shows $37.7M in total assets and $34.4M in deposits and 2 offices.

State Bank of Nauvoo has a TellerScore of 36 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 317th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 14% uninsured); loan quality contributes the least (0/100, 3.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.31%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.71%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 53.9% · 13.8% uninsured
Problem-loan coverage39/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 30.60%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (30 → 36), mostly because the earnings component improved by 21 points.

TellerScore
303642Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202434
Q3 202434
Q4 202431
Q1 202537
Q2 202530
Q3 202531
Q4 202530
Q1 202642
Q2 202636
Tier 1 leverage ratio
5.00%6.73%8.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.44%
Q3 20248.44%
Q4 20248.21%
Q1 20258.45%
Q2 20258.30%
Q3 20258.17%
Q4 20258.15%
Q1 20268.35%
Q2 20268.31%
Noncurrent loans
2.35%4.67%6.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20246.99%
Q3 20246.21%
Q4 20246.28%
Q1 20256.27%
Q2 20253.82%
Q3 20254.48%
Q4 20254.55%
Q1 20262.35%
Q2 20263.71%
Return on assets
-0.18%0.27%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.46%
Q4 20240.07%
Q1 20250.73%
Q2 2025-0.18%
Q3 20250.04%
Q4 2025-0.06%
Q1 20260.29%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202636$37.7M8.31%3.71%0.35%53.9%
Q1 202642$37.8M8.35%2.35%0.29%53.2%
Q4 202530$36.7M8.15%4.55%-0.06%55.3%
Q3 202531$38.5M8.17%4.48%0.04%53.1%
Q2 202530$36.1M8.30%3.82%-0.18%56.9%
Q1 202537$36.9M8.45%6.27%0.73%59.7%
Q4 202431$37.3M8.21%6.28%0.07%58.1%
Q3 202434$38.7M8.44%6.21%0.46%58.2%
Q2 202434$38.2M8.44%6.99%0.54%59.0%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.31%
5th
Total risk-based capital16.68%
66th
Problem loans3.71%
8th
Net charge-offs0.02%
29th
Return on assets0.35%
23rd
Net interest margin3.92%
52nd
Efficiency ratio90.0%
18th
Loans to deposits53.9%
66th
Uninsured deposits13.8%
58th
Loan-loss reserves0.91%
25th
Texas ratio30.6%
4th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State Bank of EmdenBank Emden, IL91 out of 100, Very strong$37.8M29.6%0.00%vs
Citizens Bank of ChatsworthBank Chatsworth, IL73 out of 100, Strong$36.2M13.7%0.31%vs
First State Bank of Van OrinBank Van Orin, IL53 out of 100, Below average$40.0M12.4%4.54%vs
The First State Bank of DongolaBank Dongola, IL73 out of 100, Strong$34.7M9.8%0.26%vs
Fairview State Banking CompanyBank Fairview, IL83 out of 100, Strong$40.9M14.3%0.61%vs
North Side Federal Savings and Loan Association of ChicagoBank Chicago, IL42 out of 100, Below average$41.8M9.0%1.83%vs

Deposit insurance

Is my money safe at State Bank of Nauvoo?

Yes. State Bank of Nauvoo is an FDIC-insured institution (FDIC certificate #13582). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.8% of deposits ($4.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.68% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

State Bank of Nauvoo lists 2 offices in 2 cities. Most locations:

  • Nauvoo, IL (1)
  • Niota, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
State Bank of Nauvoo
Type
State-chartered bank
FDIC certificate #
13582
RSSD ID
783349
Primary regulator
FDIC
Established
January 17, 1893
Headquarters
1205 Mulholland St, Nauvoo, IL 62354
Employees
7

Quick answers

State Bank of Nauvoo: common questions

Is State Bank of Nauvoo FDIC insured?

Yes. State Bank of Nauvoo is an FDIC-insured institution (FDIC certificate #13582). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank of Nauvoo's TellerScore?

36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has State Bank of Nauvoo ever failed?

There is no failure record for FDIC certificate #13582 in the FDIC failed bank list.

How many branches does State Bank of Nauvoo have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Nauvoo

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
Lee County Credit UnionCredit union Keokuk, IA91 out of 100, Very strong$3.2M31.8%0.00%vs
Du Pont Employees Credit UnionCredit union Fort Madison, IA84 out of 100, Strong$6.8M11.8%0.00%vs
State Central BankBank Bonaparte, IA84 out of 100, Strong$63.2M16.1%1.11%vs
Farmers Savings BankBank Wever, IA80 out of 100, Strong$130.5M13.7%0.27%vs
Aim Credit UnionCredit union Dubuque, IA79 out of 100, Strong$201.2M13.1%0.60%vs