Nave Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Brokered deposits to total deposits climbed 10.42 percentage points in Q2 2026, from 0.00% to 10.42%. It was the largest change from Q1 2026 among the key lines here. Nave Bank's return on assets of -0.20% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.46 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.87% |
| Tier 1 risk-based capital ratio | 24.87% |
| Total risk-based capital ratio | 25.83% |
| Tier 1 leverage ratio | 13.84% |
| Equity capital to assets | 12.73% |
| Tangible equity to tangible assets | 12.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.20% |
| Return on equity | -1.49% |
| Net interest margin | 3.05% |
| Efficiency ratio | 96.51% |
| Yield on earning assets | 5.44% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.96% |
| Core deposits to total deposits | 84.80% |
| Brokered deposits to total deposits | 10.42% |
| Deposits to assets | 77.81% |
| Securities to assets | 14.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 2755.00% | 2755.00% | 2755.00% | 96.16% | — |
| Q4 2023 | 426.17% | 426.17% | 426.75% | 93.30% | -33.34% |
| Q1 2024 | 277.56% | 277.56% | 278.15% | 71.42% | -9.92% |
| Q2 2024 | 234.18% | 234.18% | 234.69% | 45.18% | -5.81% |
| Q3 2024 | 149.40% | 149.40% | 150.25% | 36.86% | -4.07% |
| Q4 2024 | 119.44% | 119.44% | 120.34% | 33.03% | -4.23% |
| Q1 2025 | 128.48% | 128.48% | 129.30% | 32.70% | -2.97% |
| Q2 2025 | 59.76% | 59.76% | 60.64% | 32.25% | -4.43% |
| Q3 2025 | 45.46% | 45.46% | 46.39% | 25.63% | -3.05% |
| Q4 2025 | 35.56% | 35.56% | 36.54% | 21.18% | -1.15% |
| Q1 2026 | 31.32% | 31.32% | 31.91% | 16.18% | -0.83% |
| Q2 2026 | 24.87% | 24.87% | 25.83% | 13.84% | -0.20% |
Nave Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Nave Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Nave Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59324) · FFIEC NIC profile (RSSD 5686089)