BlastPoint's Banking Scorecard
Nave Bank
Designations: ✓ Minority Depository Institution
San Juan, PR
Nave Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 17.7% in tier
- - Return on Assets 2.08% below tier average
- - Net Interest Margin 1.19% below tier average
- - Efficiency Ratio 52.50% above tier average
- - Non-Interest-Bearing Deposit Share 13.72% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$466.6M
+101.1% YoY
+9.3% QoQ
|
+$80.5M |
$386.1M
+0.5% YoY
|
$23.0B
+2.3% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$210.3M
+358.0% YoY
+14.4% QoQ
|
-$45.4M |
$255.7M
+1.1% YoY
|
$12.0B
+5.4% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$343.7M
+123.2% YoY
+14.0% QoQ
|
+$15.7M |
$328.0M
+0.1% YoY
|
$20.7B
+1.4% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
-0.82%
+71.7% YoY
+67.4% QoQ
|
-2.08% |
1.27%
+12.9% YoY
|
1.01%
+208.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.2% in tier |
| Net Interest Margin ? |
2.74%
+5.6% YoY
-4.3% QoQ
|
-1.19% |
3.93%
+6.0% YoY
|
4.22%
+2.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio ? |
117.78%
-46.7% YoY
-30.8% QoQ
|
+52.50% |
65.29%
-4.5% YoY
|
68.45%
-28.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.42%
+14.7% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
61.19%
+105.2% YoY
+0.3% QoQ
|
-15.45% |
76.64%
+0.8% YoY
|
66.97%
+17.9% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
8.30%
+200.6% YoY
+33.2% QoQ
|
-13.72% |
22.02%
-1.0% YoY
|
23.80%
+8.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.85%
+11.8% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
31.32%
-75.6% YoY
-11.9% QoQ
|
+15.49% |
15.83%
+1.5% YoY
|
19.19%
-55.8% YoY
|
17.06%
+0.8% YoY
|
Top 3.3% in tier |
| Non-Interest Income / Assets ? |
0.04%
-50.3% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+13.5% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.4% in tier |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.