Nova Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Nova Bank of Huntsville, AL against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.91% | 3.14% | -2.23% | 43rd below |
| ROAE | 3.26% | 10.44% | -7.18% | 25th below |
| Net Interest Margin | 5.34% | 3.93% | +1.41% | 93rd top |
| Efficiency Ratio | 80.28% | 76.29% | +3.99% | 31st below |
| PPNR / Avg Assets | 1.15% | 1.40% | -0.25% | 46th below |
| Yield on Earning Assets | 7.50% | 5.35% | +2.15% | 97th top |
| Cost of Funds | 2.92% | 1.70% | +1.22% | 10th bottom |
| Net Interest Spread | 4.10% | 3.31% | +0.79% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.02% | 0.11% | -0.13% | 83rd top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.49% | -0.22% | 53rd above |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 28.11% | 17.58% | +10.53% | 86th top |
| Equity / Assets | 27.02% | 16.40% | +10.62% | 86th top |
| TCE / Tangible Assets | 27.02% | 16.15% | +10.87% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.76% | 72.74% | +35.02% | 5th bottom |
| Core Deposit Ratio | 83.64% | 88.23% | -4.59% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.71% | 4.30% | +2.41% | 71st above |
| Loan Growth (Y/Y) | 29.97% | 6.66% | +23.31% | 94th top |
| Deposit Growth (Y/Y) | 8.97% | 3.76% | +5.21% | 80th top |
See Nova Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Nova Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Nova Bank profile, how to read a UBPR, or how this data updates.