Visbanking Logo
Skip to main content

State Bank Of Nauvoo

IDRSSD: 783349
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2023-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #783349 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Watch

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.83% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.59% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +6
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.4%, cash 34.6% of assets.

Cash / Assets
34.62%
Loans / Deposits
60.35%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.42%
No watch items at this period.

Capitalization

StrongQoQ +5
89
Sub-score

Capital position is strong: Tier 1 RBC 16.24%, CET1 16.24%, leverage 7.99%.

Tier 1 RBC
16.24%
CET1
16.24%
Leverage
7.99%
No watch items at this period.

Asset Quality

WatchQoQ +6
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.59%, Texas Ratio 15.9%, NCO YTD 1.83%.

Adjusted NPL
2.59%
Govt-guarantees stripped
Texas Ratio
15.9%
NCO YTD
1.83%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.59% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.83% of loans.

Reserves

Watch
40
Sub-score

Reserves are deteriorating: ALLL 1.35% of loans, coverage 53.1%, true coverage 53.1%.

ALLL / Loans
1.35%
Coverage
53.1%
True Loss Coverage
53.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 15:02:55 UTC