Nave Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Nave Bank of San Juan, PR against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.20% | 1.25% | -1.45% | 3rd bottom |
| ROAE | -1.49% | 12.22% | -13.71% | 3rd bottom |
| Net Interest Margin | 3.05% | 3.95% | -0.90% | 10th bottom |
| Efficiency Ratio | 96.51% | 63.71% | +32.80% | 3rd bottom |
| PPNR / Avg Assets | 0.11% | — | — | 3rd bottom |
| Yield on Earning Assets | 5.44% | 5.67% | -0.23% | 42nd below |
| Cost of Funds | 2.59% | 1.87% | +0.72% | 13th bottom |
| Net Interest Spread | 2.48% | — | — | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.84% | — | — | 13th bottom |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.87% | 17.18% | +7.69% | 88th top |
| Tier 1 Ratio | 24.87% | 17.21% | +7.66% | 88th top |
| Total Capital Ratio | 25.83% | — | — | 88th top |
| Leverage Ratio | 13.84% | 11.75% | +2.09% | 80th top |
| Equity / Assets | 12.73% | 10.98% | +1.75% | 76th top |
| TCE / Tangible Assets | 12.73% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.96% | 80.44% | -16.48% | 79th top |
| Core Deposit Ratio | 84.80% | 86.95% | -2.15% | 30th below |
| Wholesale Funding Ratio | 9.01% | — | — | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 114.15% | — | — | 100th top |
| Loan Growth (Y/Y) | 173.31% | — | — | 100th top |
| Deposit Growth (Y/Y) | 148.92% | — | — | 100th top |
See Nave Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Nave Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Nave Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Nave Bank peer analysis.