BlastPoint's Banking Scorecard
Nova Bank
Designations: ✓ Community bank
Huntsville, AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits +9.0% year over year ($66.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.69%.
- Efficiency ratio 84.47% vs a 119.40% peer average.
- Loan-to-deposit ratio 106.39% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Nova Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 1.15% above tier average
- + Efficiency Ratio 34.93% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.18% above tier average
- - ROA 0.30% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$91.2M
+6.7% YoY
+4.5% QoQ
|
+$28.8M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Top 11.8% in tier |
| Total Loans ? |
$70.3M
+30.1% YoY
+4.9% QoQ
|
+$35.4M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Top 5.4% in tier |
| Total Deposits ? |
$66.1M
+9.0% YoY
+6.3% QoQ
|
+$14.5M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
0.69%
+146.4% YoY
+40.1% QoQ
|
-0.30% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
5.06%
+19.5% YoY
+2.6% QoQ
|
+1.15% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Top 10.8% in tier |
| Efficiency Ratio ? |
84.47%
-29.8% YoY
-5.4% QoQ
|
-34.93% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
106.39%
+19.4% YoY
-1.4% QoQ
|
+32.18% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.85%
+100.6% YoY
+30.0% QoQ
|
-7.64% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
28.11%
-3.4% YoY
+1.1% QoQ
|
+0.99% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.18%
+191.7% YoY
+326.5% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.9%
+7.9pp YoY +3.7pp QoQ |
-8.8pp | 24.6% | 24.0% | 22.2% | 22% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.9%
+1.7pp YoY +1.0pp QoQ |
+5.5pp | 13.4% | 16.9% | 12.5% | 77% |
| CRE |
36.2%
-3.4pp YoY -2.7pp QoQ |
+11.0pp | 25.2% | 43.5% | 41.4% | 75% |
| 1-4 Family |
45.0%
+0.9pp YoY +1.5pp QoQ |
+10.1pp | 35.0% | 30.6% | 31.3% | 68% |
| Consumer |
0.8%
+0.2pp YoY +0.2pp QoQ |
-6.8pp | 7.7% | 5.7% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
28.1%
-1.0pp YoY +0.3pp QoQ |
+10.4pp | 17.7% | 13.2% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+1 (+4.5%) YoY 0 QoQ |
+11 | 12 | 304 | 482 | 94% |
| Assets per Employee ($) |
$4.0M
+2.1% YoY +4.5% QoQ |
-$2.2M | $6.2M | $6.9M | $8.8M | 19% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.2% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 7.50x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.5%
+6.9pp YoY +0.7pp QoQ |
-3.9pp | 6.4% | 10.0% | 11.6% | 22% |
| Cost of Funds (YTD) |
2.2%
-0.7pp YoY -0.1pp QoQ |
+0.8pp | 1.4% | 1.7% | 1.7% | 88% |
| Net Income ($, YTD) |
$309,000
+158.2% YoY — QoQ |
-$9K | $317,817 | $17.2M | $40.4M | 53% |
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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.