Bank Comparison
First Community Bank of Cullman vs Nova Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 12
winning metrics across 17 comparable rows
Capital adequacy
| Metric | First Community Bank of Cullman | Nova Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.52% | 27.83% |
| Equity / Assets | 14.09% | 28.17% |
Profitability
| Metric | First Community Bank of Cullman | Nova Bank |
|---|---|---|
| Return on Assets (ROA) | -0.61% | 0.50% |
| Return on Equity (ROE) | -4.48% | 1.77% |
| Net Interest Margin (NIM) | 3.99% | 4.96% |
| Yield on Earning Assets | 5.94% | 7.29% |
| Cost of Funds | 2.10% | 3.19% |
Asset quality
| Metric | First Community Bank of Cullman | Nova Bank |
|---|---|---|
| Texas Ratio | 0.00% | 1.45% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.04% | -0.01% |
| ACL / Loans | 1.14% | 1.25% |
Balance sheet
| Metric | First Community Bank of Cullman | Nova Bank |
|---|---|---|
| Total Assets | $85,517K | $87,339K |
| Total Deposits | $67,040K | $62,160K |
| Total Loans | $72,204K | $67,885K |
| Total Equity | $12,052K | $24,600K |
| Net Income (quarter) | $-136 | $109 |
Liquidity & funding
| Metric | First Community Bank of Cullman | Nova Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 107.70% | 109.21% |
| Core Deposit Ratio | 88.62% | 82.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Community Bank of Cullman | Nova Bank |
|---|---|---|
| Headquarters City | CULLMAN | HUNTSVILLE |
| Headquarters State | AL | AL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 14 | 23 |
| Established | Jan. 1, 1905, midnight | Jan. 26, 2024, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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