State Bank of Nauvoo: how it compares with its peers
Against 38 IL banks with half to twice its assets, State Bank of Nauvoo's strongest measure in Q2 2026 is net interest margin (3.92% vs. a 3.79% peer median). Its weakest relative measure is efficiency ratio (89.97% vs. 78.41%).
| Measure | State Bank of Nauvoo | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.35% | 0.88% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.79% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.97% | 78.41% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $5.5M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.89% | 54.12% | Context |
What it means for lending operations
Its efficiency ratio of 89.97% is above the 78.41% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Farmers State Bank of Emden Emden, IL · $38M
- Citizens Bank of Chatsworth Chatsworth, IL · $36M
- First State Bank of Van Orin Van Orin, IL · $40M
- The First State Bank of Dongola Dongola, IL · $35M
- Fairview State Banking Company Fairview, IL · $41M
- North Side Federal Savings and Loan Association of Chicago Chicago, IL · $42M
Questions about State Bank of Nauvoo
How big is State Bank of Nauvoo?
State Bank of Nauvoo, established in 1893, is headquartered in Nauvoo, IL. It reported $38M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is State Bank of Nauvoo's return on assets?
0.35% annualized in Q2 2026, against a 0.88% median for 38 IL banks with half to twice its assets, ahead of 29% of them.
What is State Bank of Nauvoo's efficiency ratio?
89.97% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 78.41%, and lower is better.
Is State Bank of Nauvoo growing its loans?
Net loans shrank 1.0% over the year to Q2 2026, while deposits grew 4.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.