BlastPoint's Banking Scorecard
Nova Bank
Designations: ✓ Community bank
Huntsville, AL
Nova Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.07% above tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 43.73% above tier average
- - ROA 0.36% below tier average
- - Efficiency Ratio 1.67% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.3M
+8.0% YoY
-2.1% QoQ
|
+$25.1M |
$62.3M
-0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.0% YoY
|
83% |
| Total Loans ? |
$67.0M
+67.9% YoY
+3.5% QoQ
|
+$32.7M |
$34.3M
-1.5% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.7% YoY
|
Top 6.5% in tier |
| Total Deposits ? |
$62.2M
+11.6% YoY
-3.1% QoQ
|
+$10.3M |
$51.8M
-0.6% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.0% YoY
|
62% |
| Return on Assets ? |
0.49%
+126.4% YoY
+191.7% QoQ
|
-0.36% |
0.86%
-3.6% YoY
|
0.78%
-19.5% YoY
|
1.24%
+13.1% YoY
|
29% |
| Net Interest Margin ? |
4.94%
+32.2% YoY
+8.0% QoQ
|
+1.07% |
3.87%
+2.7% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Top 11.4% in tier |
| Efficiency Ratio ? |
89.30%
-35.3% YoY
-12.6% QoQ
|
+1.67% |
87.63%
+2.3% YoY
|
72.13%
+5.1% YoY
|
66.84%
-3.8% YoY
|
21% |
| Delinquency Rate ? | 0.55% | -0.81% |
1.36%
+33.7% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
107.84%
+50.4% YoY
+6.8% QoQ
|
+43.73% |
64.11%
-0.9% YoY
|
67.08%
+2.0% YoY
|
76.69%
+0.9% YoY
|
Bottom 3.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.20%
+134.1% YoY
+28.6% QoQ
|
-11.59% |
23.79%
+0.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.1% YoY
|
18% |
| Nonperforming Asset Ratio ? | 0.42% | -0.35% |
0.77%
+28.7% YoY
|
0.71%
+24.8% YoY
|
0.66%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
27.83%
-23.2% YoY
+0.7% QoQ
|
+1.06% |
26.77%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.04%
+756.2% YoY
-86.6% QoQ
|
-0.63% |
0.67%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.0% YoY
|
34% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.