BlastPoint's Banking Scorecard
Nave Bank
Micro
Specialty: Commercial
PR
FDIC cert 59324
Designations: ✓ Community bank
San Juan, PR
2498
banks in Micro tier nationally
1 in PR
View Micro leaderboard (PR) →
Nave Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 26.71% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 3.59% below tier
- - Efficiency Ratio 102.60% above tier
- - Non-Interest-Bearing Deposit Share 16.16% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$427.0M
+68.9% YoY
+34.9% QoQ
|
+$209.5M |
$217.5M
+2.3% YoY
|
$22.9B
+2.5% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$183.9M
+270.8% YoY
+24.0% QoQ
|
+$44.7M |
$139.2M
+2.8% YoY
|
$12.0B
+5.1% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$301.6M
+74.8% YoY
+30.2% QoQ
|
+$117.9M |
$183.7M
+1.8% YoY
|
$20.5B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
-2.50%
+56.4% YoY
+23.1% QoQ
|
-3.59% |
1.08%
+14.7% YoY
|
0.49%
+225.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.86%
-23.8% YoY
+1.0% QoQ
|
-0.99% |
3.85%
+6.6% YoY
|
4.21%
-3.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
170.33%
-32.1% YoY
-15.2% QoQ
|
+102.60% |
67.73%
-4.8% YoY
|
83.21%
+49.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.51%
+18.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
60.98%
+112.1% YoY
-4.8% QoQ
|
-13.54% |
74.53%
+0.5% YoY
|
66.27%
+15.7% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
6.23%
+99.2% YoY
-23.1% QoQ
|
-16.16% |
22.39%
-1.3% YoY
|
22.68%
+3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.89%
+14.1% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
35.56%
-70.2% YoY
-21.8% QoQ
|
+26.71% |
8.85%
-3.4% YoY
|
20.23%
+32.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.08%
+406.6% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.58%
-3.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
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%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
35.56%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.50%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
170.33%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.23%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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%
98
98th pctile
Tier 1 Capital Ratio
Current: 35.56% · Tier avg: 8.85%
92
92th pctile
Total Assets
Current: $427.0M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $301.6M · Tier avg: $183.7M
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.98% · Tier avg: 74.53%
70
70th pctile
Total Loans
Current: $183.9M · Tier avg: $139.2M
12
12th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.85%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.23% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
0
0th pctile
Return on Assets
Current: -2.50% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 170.33% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 170.33% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -2.50% · Tier avg: 1.08%
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.23% · Tier avg: 22.39%
12
12th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.85%
70
70th pctile
Total Loans
Current: $183.9M · Tier avg: $139.2M
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.98% · Tier avg: 74.53%
82
82th pctile
Total Deposits
Current: $301.6M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $427.0M · Tier avg: $217.5M
98
98th pctile
Tier 1 Capital Ratio
Current: 35.56% · Tier avg: 8.85%
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%