Nova Bank
Huntsville, AL · Cert 59326 · Peer group: banks under $1B in assets (n=581-629)
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 581).
- Widest gap: return on equity trails 86% of banks under $1B in assets (rank 543 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.68%
Rank 449 of 629
Net Interest Margin
5.09%
Rank 23 of 629
Efficiency Ratio
84.47%
Rank 513 of 629
Equity / Assets
27.02%
Rank 63 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.60% | 1.01% | 1.45% | Beats 29% | 449 / 629 | | |
| Return on Equity | 2.51% | 5.38% | 9.30% | 13.28% | Beats 14% | 543 / 629 | | |
| Net Interest Margin | 5.09% | 3.03% | 3.54% | 4.05% | Beats 96% | 23 / 629 | | |
| Efficiency Ratio | 84.47% | 58.35% | 67.79% | 79.08% | Beats 19% | 513 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 63% | 219 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 28.11% | 11.24% | 13.84% | 18.77% | Beats 86% | 88 / 629 | | |
| Total Risk-Based Capital Ratio | 28.11% | 11.58% | 14.43% | 19.66% | Beats 85% | 92 / 629 | | |
| Equity / Assets | 27.02% | 9.09% | 10.65% | 13.80% | Beats 90% | 63 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.76% | 67.24% | 80.90% | 93.48% | 93rd pctl | 40 / 594 | | |
| Loans / Assets | 78.10% | 53.31% | 67.71% | 78.15% | 74th pctl | 161 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |