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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Huntsville, AL · FDIC certificate #59326
NOVA BANK is an FDIC-insured institution based in Huntsville, AL (FDIC certificate #59326). In its Q3 2026 Call Report it reported total assets of $98M, total deposits of $73M and net loans of $76M. Its primary federal regulator is FDIC.
Plain-language readout
NOVA BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $98M in Q3 2026 and were lowest at $87M in Q1 2026.
Total deposits were highest at $73M in Q3 2026 and lowest at $62M in Q1 2026.
Over the whole period total assets rose 12.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $98M | $73M | $76M | 0.77% | 2.86% | 5.05% |
| Q2 2026 | $91M | $66M | $70M | 0.69% | 2.52% | 5.06% |
| Q1 2026 | $87M | $62M | $67M | 0.49% | 1.78% | 4.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.7M | $7.8M | +$830K | +10.6% |
| Federal funds sold | $6.7M | $6.6M | +$105K | +1.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $4.7M | $4.9M | -$191K | -3.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $147K | $0K | +$147K | n/a |
| Net loans and leases (after allowance) | $70.2M | $67.0M | +$3.1M | +4.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $133K | $167K | -$34K | -20.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $649K | $672K | -$23K | -3.4% |
| Total assets | $91.2M | $87.2M | +$4.0M | +4.5% |
| Liabilities | ||||
| Total deposits | $66.1M | $62.2M | +$3.9M | +6.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $461K | $579K | -$118K | -20.4% |
| Total liabilities | $66.6M | $62.7M | +$3.8M | +6.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.9M | $2.9M | $0K | 0.0% |
| Surplus | $26.1M | $26.1M | $0K | 0.0% |
| Retained earnings | -$4.3M | -$4.5M | +$200K | +4.4% |
| Accumulated other comprehensive income | -$17K | $32K | -$49K | -153.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.6M | $24.5M | +$151K | +0.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $25.5M | $25.3M | +$207K | +0.8% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 28.11% | 27.79% | +0.32 pts | See points |
| Construction and land loans to total capital | 47.63% | 49.41% | -1.77 pts | See points |
| Commercial real estate to total capital | 78.47% | 82.03% | -3.56 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.09% | 0.13% | -0.21 pts | See points |
| Liquidity | ||||
| Core deposits | $55.3M | $51.5M | +$3.8M | +7.4% |
| Non-core funding | $10.8M | $10.7M | +$135K | +1.3% |
| Loans to core deposits | 128.57% | 131.86% | -3.29 pts | See points |
| Loans to deposits | 107.53% | 109.21% | -1.68 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $10.8M | $10.7M | +$135K | +1.3% |
| Earnings | ||||
| Earnings before provision, year to date | $372K | $119K | +$253K | +212.6% |
| Earnings before provision, single quarter | $253K | $119K | +$134K | +112.6% |
| Provision for credit losses, year to date | $63K | $10K | +$53K | +530.0% |
| Yield and cost | ||||
| Yield on loans and leases | 8.26% | 8.26% | +0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 3.76% | 3.68% | +0.08 pts | See points |
| Total interest income to average assets | 7.41% | 7.17% | +0.23 pts | See points |
| Cost of interest-bearing transaction accounts | 1.61% | 0.00% | +1.61 pts | See points |
| Cost of savings and money market deposits | 3.97% | 2.72% | +1.25 pts | See points |
| Cost of time deposits | 2.85% | 4.59% | -1.75 pts | See points |
| Total interest expense to average assets | 2.14% | 2.29% | -0.15 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $98M | $73M | $76M | 0.77% | 2.86% | 5.05% |
| 2026-06-30 | $91M | $66M | $70M | 0.69% | 2.52% | 5.06% |
| 2026-03-31 | $87M | $62M | $67M | 0.49% | 1.78% | 4.94% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $60.7M | 0.04% | 121 | Continuing · +0.04 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.