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Nova Bank

Huntsville, AL · Cert 59326

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Nova Bank

Huntsville, AL · Cert 59326

State charter, non-member · FDIC · 1 branch

Q2 2026

$91.2MAssets
$71.2MLoans
$66.1MDeposits
$24.6MEquity
Loan mix
82%RE $55.6M18%C&I $12.0M1%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $55.6M16%Noninterest $10.5MQ2 2025Q2 2026

NIM

4.45%Q2 ’246.00%Q2 ’257.30%Q2 ’26-16%+43%

Non-interest income vs. expense

6.93%Q2 ’244.44%Q2 ’254.61%Q2 ’26-37%-2%

Market Position · Huntsville, AL · 2026 SOD (annual) · 0.5% share · #25 of 37 inst. · $0.1B of $12.4B

Executive Summary

  • Earnings: ROA of 0.69%, up 219 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 28.11%, down 99 bps from a year ago.
  • Funding: loans stand at 107.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+219 bps YoY

Net Interest Margin (YTD, annualized)

5.09%+153 bps YoY

Efficiency Ratio (YTD, annualized)

84.47%-3,582 bps YoY

Tier 1 Leverage Ratio

28.11%-99 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.49%-0.99%-0.54%0.49%0.69%+219 bps
Return on Equity-4.35%-3.02%-1.71%1.77%2.51%+686 bps
Net Interest Margin3.56%3.76%3.95%4.89%5.09%+153 bps
Efficiency Ratio120.29%111.25%102.20%89.30%84.47%-3,582 bps
Non-Interest Burden4.31%4.21%4.04%4.35%4.24%-7 bps
Growth
Asset Growth (YoY)176.44%141.03%90.06%8.03%6.71%-16,973 bps
Loan Growth (YoY)456%175.43%73.92%67.59%29.97%-42,620 bps
Deposit Growth (YoY)1008%504%194.40%11.63%8.97%-99,866 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.02%-0.01%-0.01%-1 bps
Allowance / Loans1.34%1.27%1.28%1.25%1.27%-7 bps
Allowance Coverage of NPLs56.5xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio29.11%27.93%27.65%27.83%28.11%-99 bps
Total Risk-Based Capital29.11%27.93%27.65%27.83%28.11%-99 bps
Equity / Assets28.31%28.35%27.50%28.17%27.02%-130 bps
Liquidity & Funding
Loans / Deposits90.35%100.95%102.28%109.21%107.76%+1,741 bps
Liquid Assets / Assets18.36%10.17%9.13%8.61%9.10%-926 bps
CRE / Total Capitaln/a96.66%107.42%106.74%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Nova Bank

Huntsville, AL · Cert 59326 · Peer group: banks under $1B in assets (n=573-620)

State charter, non-member · FDIC · 1 branch

Q2 2026

$91.2MAssets
$71.2MLoans
$66.1MDeposits
$24.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 573).
  • Widest gap: return on equity trails 86% of banks under $1B in assets (rank 535 of 620).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.68%

Rank 439 of 620

Net Interest Margin

5.09%

Rank 22 of 620

Efficiency Ratio

84.47%

Rank 506 of 620

Equity / Assets

27.02%

Rank 62 of 620

Non-interest income vs. expense

$0.3M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 19% of banks under $1B in assets
Bank 84.47%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.60%1.00%1.45%Beats 29%439 / 620
Return on Equity2.51%5.30%9.30%13.29%Beats 14%535 / 620
Net Interest Margin5.09%3.02%3.53%4.04%Beats 96%22 / 620
Efficiency Ratio84.47%58.35%68.08%79.37%Beats 19%506 / 620
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%81 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 62%220 / 573
Capital
Tier 1 Capital Ratio28.11%11.27%13.87%18.78%Beats 87%83 / 620
Total Risk-Based Capital Ratio28.11%11.69%14.57%19.67%Beats 86%87 / 620
Equity / Assets27.02%9.03%10.60%13.73%Beats 90%62 / 620
Liquidity & Funding
Loans / Deposits107.76%65.08%79.69%92.47%93rd pctl39 / 585
Loans / Assets78.10%51.85%67.17%77.86%76th pctl151 / 620
Brokered Deposits / Depositsn/aNot reported for this institution