Nova Bank
Huntsville, AL · Cert 59326 · Peer group: banks under $1B in assets (n=570-617)
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 78 of 570).
- Widest gap: return on equity trails 86% of banks under $1B in assets (rank 532 of 617).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.68%
Rank 439 of 617
Net Interest Margin
5.09%
Rank 21 of 617
Efficiency Ratio
84.47%
Rank 504 of 617
Equity / Assets
27.02%
Rank 63 of 617
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 18% 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% | 439 / 617 | | |
| Return on Equity | 2.51% | 5.30% | 9.43% | 13.30% | Beats 14% | 532 / 617 | | |
| Net Interest Margin | 5.09% | 3.04% | 3.54% | 4.05% | Beats 97% | 21 / 617 | | |
| Efficiency Ratio | 84.47% | 58.03% | 67.76% | 79.08% | Beats 18% | 504 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.48% | 1.27% | Beats 100% | 78 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 62% | 220 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 28.11% | 11.18% | 13.83% | 18.55% | Beats 87% | 81 / 617 | | |
| Total Risk-Based Capital Ratio | 28.11% | 11.56% | 14.39% | 19.39% | Beats 86% | 85 / 617 | | |
| Equity / Assets | 27.02% | 9.03% | 10.55% | 13.63% | Beats 90% | 63 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.76% | 64.77% | 79.70% | 93.06% | 94th pctl | 36 / 582 | | |
| Loans / Assets | 78.10% | 51.70% | 67.18% | 77.51% | 76th pctl | 148 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |