| Metric | Nova Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.0% | +3.7 pts |
| Deposit growth (YoY) | +9.0% | +2.5% | +6.5 pts |
| Loan growth (YoY) | +30.1% | +2.6% | +27.5 pts |
| ROA | 0.69% | 0.99% | -0.3 pts |
| ROE | 2.5% | 8.1% | -5.6 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.2M | $66.1M | $70.3M | $24.6M | $309K | 0.69% | 5.06% | 0.00% |
| Q1 2026 | $87.2M | $62.2M | $67.0M | $24.5M | $109K | 0.49% | 4.94% | 0.00% |
| Q4 2025 | $89.1M | $64.2M | $64.8M | $24.4M | $-418K | -0.54% | 4.57% | 0.00% |
| Q3 2025 | $85.6M | $60.6M | $60.4M | $24.3M | $-552K | -0.98% | 4.43% | 0.00% |
| Q2 2025 | $85.5M | $60.7M | $54.1M | $24.2M | $-531K | -1.49% | 4.24% | 0.02% |
| Q1 2025 | $80.8M | $55.7M | $39.9M | $24.4M | $-299K | -1.87% | 3.73% | 0.00% |
| Q4 2024 | $47.0M | $21.8M | $37.2M | $24.6M | $-1.3M | -3.67% | 4.91% | 0.00% |
| Q3 2024 | $35.5M | $10.0M | $21.9M | $25.3M | $-922K | -3.93% | 4.59% | 0.00% |
Loan mix (Q2 2026): real estate $57.5M · commercial $13.3M · consumer $591K · securities $4.7M
| Ratio | Nova Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.99% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 8.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 70.8% | 76th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Nova Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Nova Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Nova Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Nova Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.