Nave Bank
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Data as of · sourced from FFIEC call reports. How we update
Nave Bank is an FDIC-insured commercial bank headquartered in San Juan, PR, established in 2023 (FDIC certificate 59324), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $555.0M, the 4th largest of 4 banks headquartered in Puerto Rico. Its CET1 capital ratio was 24.87% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 59324
- Headquarters
- San Juan, PR
- Established
- 2023
- Total assets, Q2 2026
- $555.0M
- CET1 ratio, Q2 2026
- 24.87%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 021508222
- Holding company
- NAVE HOLDINGS INC.
- Asset rank in state
- 4th of 4 in Puerto Rico
Nave Bank spends more to run itself than most banks of its size. The San Juan, Puerto Rico bank had $555 million in assets at June 30, 2026, against $259 million a year earlier. It loses about $0.20 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 97 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $263,000 in the quarter. Its margin is thin by comparison: it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Nave Bank reported a CET1 capital ratio of 24.87%, a return on assets of -0.20%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 18.9% to $555.0M, loans rose 30.1% and deposits rose 25.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 31.6% of total loans, followed by commercial and industrial loans at 30.2%. The FDIC Summary of Deposits lists a single office for it, in San Juan, PR. By the capital ratios in its Q2 2026 call report, Nave Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1608 Ave Ponce De Leon, San Juan, PR 00909
- County
- San Juan
- Metro Area
- San Juan-Bayamon-Caguas, PR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 18, 2023
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $431.9M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $513.3M
- Average total loans
- $244.2M
- Average interest-bearing deposits
- $383.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 18, 2023
- FDIC Cert
- 59324
- Fed RSSD
- 5686089
- SEC CIK
- 1991988 → filed by NAVE HOLDINGS INC.
- Website
- www.navebank.com →
- Parent Holding Company
- NAVE HOLDINGS INC. (RSSD 5686098)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Nave Bank's total assets moved between a low of $106.2M (Q4 2023) and a high of $555.0M (Q2 2026) from Q4 2023 to Q2 2026, and it posted no profit in any of the 11 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$555.0M total assets against $259.2M; $484.3M total liabilities against $184.6M.
$273.9M net loans and leases against $100.1M; $431.9M total deposits against $173.5M.
$79.8M securities against $43.7M; $190.6M cash and balances due against $109.2M.
$6.8M total interest income against $3.0M; $3.0M total interest expense against $1.2M.
$3.8M net interest income against $1.8M.
$204K total noninterest income against $14K; $3.9M total noninterest expense against $3.8M.
$403K provision for credit losses against $612K.
-$263K net income against -$2.6M.
-0.20% return on assets against -4.43%; 3.05% net interest margin against 3.29%.
24.87% CET1 capital ratio against 59.76%; 13.84% tier 1 leverage ratio against 32.25%.
Inside the full Nave Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNave Bank rankings
Its closest position to the top of a national ranking is 156 of 2,134, for CET1 ratio; its furthest is 3,536 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -4.43% (Q2 2025) to -0.20% (Q2 2026) and its net interest margin ran from 2.65% (Q1 2025) to 3.41% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.87% | -0.20% | 0.00% | 0.00% | 3.05% |
| Q1 2026 | 31.32% | -0.83% | 0.00% | 0.00% | 2.76% |
| Q4 2025 | 35.56% | -1.15% | 0.00% | 0.00% | 3.41% |
| Q3 2025 | 45.46% | -3.05% | 0.00% | 0.00% | 3.04% |
| Q2 2025 | 59.76% | -4.43% | 0.00% | 0.00% | 3.29% |
| Q1 2025 | 128.48% | -2.97% | 0.00% | 0.00% | 2.65% |
| Q4 2024 | 119.44% | -4.23% | 0.00% | 0.00% | 3.08% |
| Q3 2024 | 149.40% | -4.07% | 0.00% | 0.00% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Nave Bank (main office) | San Juan , PR | 00909 | $431.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in PR, rank 6 of 6 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Nave Bank
What are Nave Bank's total assets?
As of the Q2 2026 filing, Nave Bank reported total assets of $555.0 million in its FFIEC call report.
Where is Nave Bank headquartered?
It is headquartered in San Juan, PR, United States.
When was Nave Bank founded?
It was established in 2023, per the FDIC institution directory.
Is Nave Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nave Bank?
Nave Bank's primary federal regulator is the Federal Reserve.
What is Nave Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.87% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Nave Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Nave Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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