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State Bank Of Nauvoo

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q4QoQ -13

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

Quarterly Headline

2025-Q4

Bank #783349 2025-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 20.4% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 20.4% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.70% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -13 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -38
  • Reserves
    ↓ -26

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.3%, cash 41.9% of assets.

Cash / Assets
41.89%
Loans / Deposits
55.33%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.96%
No watch items at this period.

Capitalization

StrongQoQ 0
92
Sub-score

Capital position is strong: Tier 1 RBC 15.45%, CET1 15.45%, leverage 8.14%.

Tier 1 RBC
15.45%
CET1
15.45%
Leverage
8.14%
No watch items at this period.

Asset Quality

RiskQoQ -38
26
Sub-score

Asset quality is weak: Adjusted NPL 4.59%, Texas Ratio 26.1%, NCO YTD 6.70%.

Adjusted NPL
4.59%
Govt-guarantees stripped
Texas Ratio
26.1%
NCO YTD
6.70%
30-89 PD
2.06%
Band 0.3% / 3.0%
90+ PD
1.48%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.59% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.48%.
  • riskNet charge-offs elevated — NCO YTD 6.70% of loans.

Reserves

RiskQoQ -26
14
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 20.4%, true coverage 20.4%.

ALLL / Loans
0.93%
Coverage
20.4%
True Loss Coverage
20.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 20.4% (Adjusted NPL + Performing Mods denominator).

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