TellerScore

Nave Bank is a state-chartered bank (fed member) headquartered in San Juan, Puerto Rico. At the end of Q2 2026 it reported $555.0M in total assets and $431.9M in deposits, with 1 office.

Nave Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 4 banks headquartered in Puerto Rico, it ranks 2nd. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (1/100, -0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Tier 1 leverage ratio: 13.84%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings1/100
Return on assets (annualized): -0.49%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 63.4% · 85.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (73 → 69), mostly because the capital cushion component weakened by 12 points.

TellerScore
697173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202473
Q1 202573
Q2 202573
Q3 202573
Q4 202572
Q1 202672
Q2 202669
Tier 1 leverage ratio
5.00%25.09%45.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202445.18%
Q3 202436.86%
Q4 202433.03%
Q1 202532.70%
Q2 202532.25%
Q3 202525.63%
Q4 202521.18%
Q1 202616.18%
Q2 202613.84%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-7.34%-3.92%-0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-7.34%
Q3 2024-6.44%
Q4 2024-5.74%
Q1 2025-2.88%
Q2 2025-3.47%
Q3 2025-3.25%
Q4 2025-2.50%
Q1 2026-0.82%
Q2 2026-0.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$555.0M13.84%0.00%-0.49%63.4%
Q1 202672$466.6M16.18%0.00%-0.82%61.2%
Q4 202572$427.0M21.18%0.00%-2.50%61.0%
Q3 202573$316.6M25.63%0.00%-3.25%64.0%
Q2 202573$259.2M32.25%0.00%-3.47%57.7%
Q1 202573$232.1M32.70%0.00%-2.88%29.8%
Q4 202473$252.8M33.03%0.00%-5.74%28.8%
Q3 202473$191.1M36.86%0.00%-6.44%40.3%
Q2 202473$186.5M45.18%0.00%-7.34%30.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.84%
81st
Total risk-based capital25.83%
94th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets-0.49%
2nd
Net interest margin2.90%
8th
Efficiency ratio105.8%
2nd
Loans to deposits63.4%
79th
Uninsured deposits85.3%
0th
Loan-loss reserves0.84%
14th
Texas ratio0.0%
95th

Deposit insurance

Is my money safe at Nave Bank?

Yes. Nave Bank is an FDIC-insured institution (FDIC certificate #59324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 85.3% of deposits ($368.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.83% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Nave Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Nave Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
59324
RSSD ID
5686089
Primary regulator
FED
Holding company
Nave Holdings Inc
Established
September 18, 2023
Headquarters
1608 Ave Ponce De Leon, San Juan, PR 00909
Employees
45

Quick answers

Nave Bank: common questions

Is Nave Bank FDIC insured?

Yes. Nave Bank is an FDIC-insured institution (FDIC certificate #59324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Nave Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Nave Bank ever failed?

There is no failure record for FDIC certificate #59324 in the FDIC failed bank list.

How many branches does Nave Bank have?

1 office as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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