BlastPoint's Banking Scorecard

State Bank of Nauvoo

under $100M Specialty: Other IL FDIC cert 13582

Designations: ✓ Community bank

Nauvoo, IL

2 branches across IL

541 banks in the under $100M peer group nationally 61 in IL

State Bank of Nauvoo faces 3 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.55% below tier average
- Efficiency Ratio 3.40% above tier average
- Delinquency Rate 1.00% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$37.8M +2.3% YoY +3.1% QoQ	-$24.4M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$18.4M -8.3% YoY -0.5% QoQ	-$15.8M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$34.6M +2.9% YoY +3.4% QoQ	-$17.2M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	0.29% -60.4% YoY +548.3% QoQ	-0.55%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	3.86% +1.0% YoY -3.3% QoQ	+0.00%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	91.74% +14.0% YoY +13.5% QoQ	+3.40%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	2.37% -63.1% YoY -48.4% QoQ	+1.00%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	53.24% -10.8% YoY -3.8% QoQ	-10.98%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	66%
Non-Interest-Bearing Deposit Share ?	24.00% +2.5% YoY +6.4% QoQ	+0.29%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	2.05% -49.7% YoY -36.7% QoQ	+1.26%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 10.7% in tier
Tier 1 Capital Ratio ?	15.57% -10.0% YoY +0.8% QoQ	-11.11%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.02% -70.3% YoY -94.7% QoQ	-0.65%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 12.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

484

Nonperforming Asset Ratio

credit_quality

Value: 2.05%

Peer Median: 0.79%

#484 of 541 Bottom 10.7% in under $100M

476

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#476 of 541 Bottom 12.2% in under $100M

432

Delinquency Rate

credit_quality

Value: 2.37%

Peer Median: 1.37%

#432 of 521 Bottom 17.3% in under $100M

444

Total Assets

size

Value: $37.80M

Peer Median: $62.16M

#444 of 541 Bottom 18.1% in under $100M

439

Efficiency Ratio

profitability

Value: 91.74%

Peer Median: 88.34%

#439 of 541 Bottom 19.0% in under $100M

419

Return on Assets

profitability

Value: 0.29%

Peer Median: 0.84%

#419 of 541 Bottom 22.7% in under $100M

414

Total Deposits

size

Value: $34.57M

Peer Median: $51.74M

#414 of 541 Bottom 23.7% in under $100M

409

Total Loans

size

Value: $18.40M

Peer Median: $34.25M

#409 of 541 Bottom 24.6% in under $100M