Nova Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.56 percentage points lower than in Q1 2026, at 78.47%. On loan-to-deposit ratio, Nova Bank ranks 4th highest among the 93 banks headquartered in Alabama, at 107.76% (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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $71.2M |
| Net loans and leases | $70.3M |
| Loans held for sale | $147K |
| Loans to total assets | 78.10% |
| Loan-to-deposit ratio | 107.76% |
| Net loans to equity capital | 2.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.22% |
| Multifamily (5+ residential) | 1.39% |
| Commercial and industrial | 18.65% |
| Consumer | 0.83% |
| Credit cards | 0.00% |
| Farm | 0.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.47% |
| Construction concentration (Tier 1 capital + allowance) | 47.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.26% |
| Interest income on loans | $1.5M |
Loan Portfolio trend
Last 10 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q1 2024 | $4.0M | $1.6M | 0.00% | 90.55% | 0.00% |
| Q2 2024 | $9.9M | $5.5M | 8.15% | 59.40% | 1.42% |
| Q3 2024 | $22.2M | $10.0M | 3.58% | 44.09% | 1.14% |
| Q4 2024 | $37.7M | $21.8M | 11.81% | 20.95% | 3.48% |
| Q1 2025 | $40.5M | $55.7M | 12.53% | 21.65% | 1.16% |
| Q2 2025 | $54.8M | $60.7M | 18.74% | 16.92% | 0.64% |
| Q3 2025 | $61.2M | $60.6M | 19.04% | 17.72% | 0.58% |
| Q4 2025 | $65.6M | $64.2M | 18.23% | 17.90% | 0.73% |
| Q1 2026 | $67.9M | $62.2M | 18.48% | 17.70% | 0.60% |
| Q2 2026 | $71.2M | $66.1M | 17.22% | 18.65% | 0.83% |
Nova Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nova Bank, freeSource: Call Report Schedule RC-C, 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)