Nova Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits dropped 3.03 percentage points in Q2 2026, from 131.86% to 128.84%. It was the largest change from Q1 2026 among the key lines here. Among 93 Alabama banks, Nova Bank sits 4th from the top on loan-to-deposit ratio, 107.76% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Nova Bank reported 107.76% on loan-to-deposit ratio in Q2 2026, 40.13 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.1M |
| Fed funds sold and reverse repos | $6.7M |
| Fed funds sold and reverse repos to assets | 7.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.76% |
| Net loans and leases to deposits | 106.39% |
| Loans and leases to core deposits | 128.84% |
| Core deposits to total deposits | 83.64% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 10 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q1 2024 | 243.76% | 77.03% | $0 | $0 |
| Q2 2024 | 179.93% | 86.14% | $0 | $0 |
| Q3 2024 | 221.44% | 89.04% | $0 | $0 |
| Q4 2024 | 173.13% | 85.03% | $0 | $0 |
| Q1 2025 | 72.75% | 83.60% | $0 | $0 |
| Q2 2025 | 90.35% | 78.09% | $0 | $0 |
| Q3 2025 | 100.95% | 77.83% | $0 | $0 |
| Q4 2025 | 102.28% | 78.99% | $0 | $0 |
| Q1 2026 | 109.21% | 82.82% | $0 | $0 |
| Q2 2026 | 107.76% | 83.64% | $0 | $0 |
Nova Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Nova Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Nova Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59326) · FFIEC NIC profile (RSSD 5807400)