State Bank of Nauvoo
Nauvoo, Illinois · FDIC Cert #13582
This is the FDIC profile for State Bank of Nauvoo, an FDIC-insured bank (Certificate #13582) with $38M in total assets and $35M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Nauvoo, Illinois, the bank maintains a Tier 1 capital ratio of 17.33% (Well-Capitalized) and a nonperforming loan ratio of 6.99%. BankHealthData assigns a composite Health Grade of C (64/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of Nauvoo (FDIC cert 13582) is a community bank — $38M in total assets, $35M in deposits, serving the Nauvoo, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 17.33% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 6.99% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 41.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.54% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. State Bank of Nauvoo carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: State Bank of Nauvoo
- Total Assets
- $38M
- Total Deposits
- $35M
- Tier 1 Capital Ratio
- 17.33%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 6.99%
- Liquidity Ratio
- 41.36%
- Return on Assets
- 0.54%
- Headquarters
- Nauvoo, Illinois
- FDIC Certificate
- #13582
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
State Bank of Nauvoo files quarterly Call Reports with the FDIC under Certificate #13582. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, State Bank of Nauvoo holds a Tier 1 capital ratio of 17.33%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of Nauvoo has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of Nauvoo shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How State Bank of Nauvoo Compares
State Bank of Nauvoo’s Health Score of 64 is 17 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 17.33% Tier 1 capital ratio is 3.3 points above the US banking industry average near 14%. The 6.99% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.54% is below the national ROA benchmark of ~1.1%. Among 376 similarly-sized banks, the average Health Score is 84, meaning this bank ranks below its size cohort. Site-wide, State Bank of Nauvoo is 16 points below the portfolio average of 80.
Frequently Asked Questions
State Bank of Nauvoo has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 17.33%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. State Bank of Nauvoo's Tier 1 capital ratio of 17.33% and nonperforming loan ratio of 6.99% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at State Bank of Nauvoo is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13582). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
State Bank of Nauvoo holds $38M in total assets and $35M in total deposits. It is headquartered in Nauvoo, Illinois (FDIC Certificate #13582).
State Bank of Nauvoo's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #13582 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
State Bank of Nauvoo has a Tier 1 capital ratio of 17.33%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 6.99%, and the return on assets is 0.54%.
Yes. State Bank of Nauvoo is FDIC-insured (Certificate #13582). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of Nauvoo's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.