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Nave Bank

$100M-$1B Specialty: Commercial PR FDIC cert 59324

Designations: ✓ Minority Depository Institution

San Juan, PR

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 1 in PR.
  • Deposits +148.9% year over year ($431.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -0.49%.
  • Efficiency ratio 105.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.42% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 1 in PR
View $100M-$1B leaderboard (PR) →

Nave Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 37.7% in tier
  • - Return on Assets 1.81% below tier average
  • - Net Interest Margin 1.09% below tier average
  • - Efficiency Ratio 41.35% above tier average
  • - Non-Interest-Bearing Deposit Share 14.28% below tier average
  • - Non-Interest Income / Assets 0.50% below tier average
Get updates when Nave Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PR) National Avg Tier Percentile
Total Assets ? $555.0M
+114.2% YoY +18.9% QoQ
+$168.4M $386.6M
+1.2% YoY
$23.8B
+3.4% YoY
$6.3B
+7.7% YoY
77%
Total Loans ? $273.9M
+173.7% YoY +30.2% QoQ
+$15.5M $258.3M
+1.7% YoY
$12.2B
+4.2% YoY
$3.2B
+9.4% YoY
62%
Total Deposits ? $431.9M
+148.9% YoY +25.7% QoQ
+$105.1M $326.7M
+0.7% YoY
$21.5B
+3.8% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? -0.49%
+86.0% YoY +40.4% QoQ
-1.81% 1.32%
+10.8% YoY
1.15%
+418.2% YoY
1.30%
+12.1% YoY
Bottom 1.8% in tier
Net Interest Margin ? 2.90%
+4.2% YoY +5.9% QoQ
-1.09% 3.99%
+5.0% YoY
4.30%
+3.1% YoY
3.95%
+4.9% YoY
Bottom 7.6% in tier
Efficiency Ratio ? 105.83%
-50.2% YoY -10.1% QoQ
+41.35% 64.48%
-3.2% YoY
65.72%
-29.8% YoY
70.05%
+2.5% YoY
Bottom 1.9% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.25%
+4.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 63.42%
+10.0% YoY +3.6% QoQ
-14.53% 77.95%
+1.0% YoY
67.03%
+3.5% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 7.75%
+85.2% YoY -6.6% QoQ
-14.28% 22.03%
-0.6% YoY
22.98%
+6.1% YoY
21.98%
-0.6% YoY
Bottom 6.5% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.73%
-1.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 24.87%
-58.4% YoY -20.6% QoQ
+8.96% 15.91%
+1.4% YoY
17.80%
-32.1% YoY
17.09%
+0.8% YoY
Top 7.0% in tier
Non-Interest Income / Assets ? 0.07%
+80.4% QoQ
-0.50% 0.57%
+7.6% YoY
0.32%
+13.5% YoY
0.66%
+5.2% YoY
Bottom 9.6% in tier

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 (PR) National Avg Tier Percentile
Noninterest-Bearing 7.8%
+3.6pp YoY
-0.5pp QoQ
 -14.4pp 22.1% 23.0% 22.2% 6%
Brokered Deposits n/a n/a 7.9% 2.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PR) National Avg Tier Percentile
C&I 30.5%
-9.7pp YoY
-8.8pp QoQ
 +18.9pp 11.6% 20.5% 12.5% 96%
CRE 45.9% +6.4pp 39.5% 26.9% 41.4% 64%
1-4 Family 20.3%
+13.6pp YoY
-3.0pp QoQ
 -12.3pp 32.6% 22.0% 31.3% 30%
Consumer n/a n/a 4.1% 29.2% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (PR) National Avg Tier Percentile
CET1 Ratio 24.9%
-34.9pp YoY
-6.4pp QoQ
 +6.0pp 18.8% 17.6% 19.7% 89%
Leverage Ratio 13.8%
-18.4pp YoY
-2.3pp QoQ
 +1.7pp 12.2% 10.9% 12.6% 81%
Total Capital Ratio 25.8%
-34.8pp YoY
-6.1pp QoQ
 +5.9pp 19.9% 19.0% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PR) National Avg Tier Percentile
Full-Time Employees 45
0 YoY
+2 (+4.7%) QoQ
 -14 58 3,163 482 47%
Assets per Employee ($) $12.3M
+114.2% YoY
+13.7% QoQ
 +$4.8M $7.5M $8.2M $8.8M 93%
Branch Count 1
0 YoY
0 QoQ
 -4 4 3 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.6% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 1.50x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 1.0% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (PR) National Avg Tier Percentile
ROE -3.3%
+8.0pp YoY
+1.8pp QoQ
 -15.5pp 12.2% 13.5% 11.6% 2%
Cost of Funds (YTD) 2.4%
+0.4pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.6% 1.7% 86%
Net Income ($, YTD) $-1174000.0
+72.7% YoY
— QoQ
 -$3.7M $2.6M $177.8M $40.4M 1%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#281 of 742 • Bottom 37.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.87%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 63.42%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
185
Tier 1 Capital Ratio
capital
Value: 24.87%
Peer Median: 15.91%
#185 of 2643 Top 7.0% in $100M-$1B
563
Loan-to-Deposit Ratio
liquidity
Value: 63.42%
Peer Median: 77.95%
#563 of 2643 Top 21.3% in $100M-$1B
615
Total Assets
size
Value: $555.01M
Peer Median: $386.57M
#615 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (5 metrics)

2597
Return on Assets
profitability
Value: -0.49%
Peer Median: 1.32%
#2597 of 2643 Bottom 1.8% in $100M-$1B
2593
Efficiency Ratio
profitability
Value: 105.83%
Peer Median: 64.48%
#2593 of 2643 Bottom 1.9% in $100M-$1B
2471
Non-Interest-Bearing Deposit Share
funding
Value: 7.75%
Peer Median: 22.03%
#2471 of 2643 Bottom 6.5% in $100M-$1B
2442
Net Interest Margin
profitability
Value: 2.90%
Peer Median: 3.99%
#2442 of 2643 Bottom 7.6% in $100M-$1B
2389
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2389 of 2643 Bottom 9.6% in $100M-$1B
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