BlastPoint's Banking Scorecard
Nova Bank
Micro
Specialty: Commercial
AL
FDIC cert 59326
Designations: ✓ Community bank
Huntsville, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Nova Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 26.45% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.62% below tier
- - Efficiency Ratio 34.47% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.2M
+90.1% YoY
+4.2% QoQ
|
-$128.3M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$64.8M
+74.1% YoY
+7.2% QoQ
|
-$74.4M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$64.2M
+194.4% YoY
+5.8% QoQ
|
-$119.5M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
-0.54%
+85.3% YoY
+45.3% QoQ
|
-1.62% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
4.57%
-6.8% YoY
+3.1% QoQ
|
+0.72% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
102.20%
-31.0% YoY
-8.1% QoQ
|
+34.47% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
100.97%
-40.9% YoY
+1.3% QoQ
|
+26.45% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.48%
-18.4% YoY
-6.5% QoQ
|
-12.91% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
+112.0% YoY
+78.0% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
100.97%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.54%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
102.20%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Loan-to-Deposit Ratio
Current: 100.97% · Tier avg: 74.53%
81
81th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
26
26th pctile
Total Loans
Current: $64.8M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $89.2M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $64.2M · Tier avg: $183.7M
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.48% · Tier avg: 22.39%
4
4th pctile
Efficiency Ratio
Current: 102.20% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.54% · Tier avg: 1.08%
Top Weaknesses
4
4th pctile
Return on Assets
Current: -0.54% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 102.20% · Tier avg: 67.73%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.48% · Tier avg: 22.39%
15
15th pctile
Total Deposits
Current: $64.2M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $89.2M · Tier avg: $217.5M
26
26th pctile
Total Loans
Current: $64.8M · Tier avg: $139.2M
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
81
81th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 100.97% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%