Nova Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 1.45 percentage points in Q2 2026, from 109.21% to 107.76%. It was the largest change from Q1 2026 among the key lines here. Nova Bank ranks 62nd of 93 Alabama banks on return on assets, in the lower half at 0.91% (Q2 2026). Nova Bank reported 0.91% on return on assets for Q2 2026, 0.07 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 28.11% |
| Equity capital to assets | 27.02% |
| Tangible equity to tangible assets | 27.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 3.26% |
| Net interest margin | 5.34% |
| Efficiency ratio | 80.28% |
| Yield on earning assets | 7.50% |
| Cost of funds | 2.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.76% |
| Core deposits to total deposits | 83.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 72.48% |
| Securities to assets | 5.14% |
Vital Signs trend
Last 10 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q1 2024 | 96.03% | -3.27% | 3.61% | 0.00% | 0.00% |
| Q2 2024 | 89.03% | -4.09% | 6.39% | 0.00% | 0.00% |
| Q3 2024 | 76.12% | -4.96% | 5.59% | 0.00% | 0.00% |
| Q4 2024 | 63.82% | -3.82% | 6.69% | 0.00% | 0.00% |
| Q1 2025 | 36.24% | -1.78% | 3.59% | 0.00% | 0.00% |
| Q2 2025 | 29.11% | -1.12% | 4.39% | 0.02% | 0.00% |
| Q3 2025 | 27.93% | -0.10% | 4.48% | 0.00% | 0.00% |
| Q4 2025 | 27.52% | 0.61% | 4.83% | 0.00% | 0.07% |
| Q1 2026 | 27.79% | 0.50% | 4.96% | 0.00% | -0.01% |
| Q2 2026 | 28.11% | 0.91% | 5.34% | 0.00% | -0.02% |
Nova Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Nova Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)