# STATE BANK OF NAUVOO
NAUVOO, IL · FDIC certificate 13582 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $37.7M | |
| Deposits | $34.4M | |
| Loans and leases | $18.7M | |
| Total equity | $3.2M | |
| Loans / deposits | 53.89% (p23 of band) | 73.59% |
| Liquid assets / assets | 45.38% (p72 of band) | |
| Uninsured deposits / deposits | 13.79% (p27 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.31% (p5 of band) | 11.76% |
| Unrealized securities loss / equity | -0.22% (p87 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.35% (p14 of band) | 1.17% |
| Net interest margin | 3.92% (p50 of band) | 3.93% |
| Efficiency ratio | 89.97% (p89 of band) | |
| Noncurrent loans | 3.71% (p95 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 24.50% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $996,000 (5.33% of loans; DQ 13.15%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | capital falling, losing money, expense ratio p90 | reserve under noncurrent |
| 2012-03 | 1 | charge-offs p90 | capital falling, losing money, expense ratio p90 |
| 2012-06 | 4 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2012-09 | 5 | capital falling |  |
| 2012-12 | 5 | leverage <7% | reserve under noncurrent |
| 2013-03 | 1 |  | charge-offs p90, losing money, expense ratio p90, capital falling |
| 2013-06 | 0 |  | leverage <7% |
| 2013-09 | 2 | leverage <7%, reserve under noncurrent |  |
| 2013-12 | 2 | capital falling | reserve under noncurrent |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2015-03 | 3 | reserve under noncurrent | losing money, expense ratio p90 |
| 2015-06 | 2 | uninsured deposits leaving | capital falling, reserve under noncurrent |
| 2015-09 | 3 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking | losing money, expense ratio p90, capital falling |
| 2016-06 | 0 |  | leverage <7%, deposits shrinking, assets shrinking |
| 2016-09 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-12 | 1 |  | reserve under noncurrent, assets shrinking |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | losing money |  |
| 2019-12 | 4 | uninsured deposits leaving | losing money |
| 2020-03 | 3 | losing money | charge-offs p90, uninsured deposits leaving |
| 2020-06 | 3 | charge-offs p90 | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | capital falling |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | charge-offs p90 |  |
| 2021-12 | 3 |  | charge-offs p90 |
| 2022-03 | 3 | charge-offs p90 | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | deposits shrinking | charge-offs p90 |
| 2023-06 | 2 |  | deposits shrinking |
| 2023-09 | 3 | charge-offs p90 |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | capital falling, charge-offs p90 |  |
| 2025-03 | 2 |  | capital falling, charge-offs p90 |
| 2025-06 | 6 | losing money, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2025-09 | 4 | capital falling | losing money, deposits shrinking, assets shrinking |
| 2025-12 | 5 | losing money |  |
| 2026-03 | 1 |  | noncurrent p90, charge-offs p90, capital falling, losing money |
| 2026-06 | 2 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-30 [Anthony Lee 'Tony' Newton Obituary Jan 20, 2022 - Printy Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE1NVjFSaXQ3Wkp3R2Q3U3dETXVkZ0NLRHZqMHo4M1pFQVJIRHRseHB5YS0zUHVmQzNfZU5mRW9UYVhwdWxOalUzU0hBUWZsMUFWMld6WWhmRVA0bk95cUVMWHNocDRoQkRDZzU0?oc=5) · Printy Funeral Home
- 2011-07-14 [Nauvoo’s Walking Tour - Meridian Magazine](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5ENXRfOWo5MU44R3hnRkZwRFo2Yjc2aE1yYjdJclh2M21oOGxHVV9icFVYTnl6eHdPenhwTl9lek5Da2FJY0k3emh3R25jVGQ3emRuQS03T3k?oc=5) · Meridian Magazine
- 2022-09-14 [Real estate transfers in Hancock County from Aug. 29-Sept. 2, 2022 - Muddy River News](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOSmU5RjROS0UtSWRlU1FydjZkVUNQZEdnbm5jVmlMV3Rtbkc5UHpQNUJtYkg3UFhQMVM2YkxZUWxIVTktRUxlN1cwbTFCSkplc3Y0SThmcFp3WjdiU19RaFljZkU5SEV5LWR1X21oa0Vydk1GSEtKM3drOG9aQVAwVk1Kb0p3V283T3MwWldISkdFNVRKczZtcVM2UjBIM01wZXdBc3lzRFRpbWJaMnphczIyVXotMzY5MF9BU3F0Rnk2Mm9ybTA3cnlKeFBTZk83Z3NicUpkaDVreFAyWmI2TURtNUVFQQ?oc=5) · Muddy River News
- 2024-10-15 [Real estate transfers in Hancock County from September 2024 - Muddy River News](https://news.google.com/rss/articles/CBMiswFBVV95cUxOOGJSaWJvaVRZUFNNWWc4dk9WYnA4ak1SNlNDczI1eXU1UVo0YzVWNUJhTWtTRXpKb0pIZHNCY0czSGNCdG5STWtpRnVWb05JZjBJU3RIV0FHLVNNWEQtMnBZZWwyaHZJZTVBWUdIU3dmYllHSlhiQVFoQVpjSEZBQk1ndXZNdkRhdE0yTDh1cjhtNzY1RjkybnNwNkZzUEpEYkV0NmZHQ1ZhdS1wWFU1NWVRUQ?oc=5) · Muddy River News
- 2010-07-06 [Nauvoo’s New Attraction: The Way We Were Walking Tour - Meridian Magazine](https://news.google.com/rss/articles/CBMiWEFVX3lxTE0ySDc3akZWcUVGWUFxNlZ4S1czM19RdFdzZm5NVlc1TlpQWUlvSlR5XzBNRW0tWVJ2d2M1RVNIazAtdUdJakZaUEtfM3ZVYk9tWGZWOUZkWFU?oc=5) · Meridian Magazine
- 2026-06-02 [Frederick "Bill" Smith Obituary (2026) - Fort Madison, IA - King-Lynk Funeral Home & Crematory - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMmtRLUplOWN5UVluZ19yLWhRTThpNXIxVzh0YWRkclY2aWxiaEhZc2gta29HR0RwczVjUkZwV2d2ay1QakpwQlVhV0pocEhxd2JnZXdCV2RLTVpVcFYybElaYi1kUlp2N0VoZVJmR1JZeTdkWDlmdlZIbGJKbGJOYjRTT0I?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13582 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "13582", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide