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
Unfavorable gap of $3.7M · efficiency ratio beats 19% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.60% | 1.00% | 1.45% | Beats 29% | 439 / 620 | |
| Return on Equity | 2.51% | 5.30% | 9.30% | 13.29% | Beats 14% | 535 / 620 | |
| Net Interest Margin | 5.09% | 3.02% | 3.53% | 4.04% | Beats 96% | 22 / 620 | |
| Efficiency Ratio | 84.47% | 58.35% | 68.08% | 79.37% | Beats 19% | 506 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 81 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 62% | 220 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 28.11% | 11.27% | 13.87% | 18.78% | Beats 87% | 83 / 620 | |
| Total Risk-Based Capital Ratio | 28.11% | 11.69% | 14.57% | 19.67% | Beats 86% | 87 / 620 | |
| Equity / Assets | 27.02% | 9.03% | 10.60% | 13.73% | Beats 90% | 62 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 107.76% | 65.08% | 79.69% | 92.47% | 93rd pctl | 39 / 585 | |
| Loans / Assets | 78.10% | 51.85% | 67.17% | 77.86% | 76th pctl | 151 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |