San Juan, PR · Cert 59324 · Nave Holdings Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · San Juan-Bayamon-Caguas, PR · 2026 SOD (annual) · 0.6% share · #6 of 6 inst. · $0.4B of $74.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.72% | -4.52% | -2.88% | -4.17% | -3.00% | -1.05% | -0.82% | -0.21% | +396 bps | |
| Return on Equity | -10.90% | -12.63% | -9.03% | -13.53% | -11.72% | -5.36% | -5.09% | -1.49% | +1,204 bps | |
| Net Interest Margin | 2.88% | 3.03% | 2.60% | 3.17% | 3.00% | 3.30% | 2.71% | 2.99% | -18 bps | |
| Efficiency Ratio | 223% | 232% | 221% | 206% | 182.78% | 115.26% | 117.78% | 96.51% | -10,902 bps | |
| Non-Interest Burden | 6.44% | 7.04% | 5.75% | 6.54% | 5.52% | 3.85% | 3.22% | 2.88% | -366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 91.46% | 137.93% | 39.50% | 38.96% | 65.67% | 68.91% | 101.08% | 114.15% | +7,519 bps | |
| Loan Growth (YoY) | n/a | 189.87% | 77.40% | 226% | 239% | 270% | 357% | 173.31% | -5,259 bps | |
| Deposit Growth (YoY) | 5425800% | 1030% | 94.34% | 69.96% | 113.47% | 74.85% | 123.18% | 148.92% | +7,896 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.13% | 1.01% | 0.98% | 0.92% | 0.89% | 0.91% | 0.84% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 36.86% | 33.03% | 32.70% | 32.25% | 25.63% | 21.18% | 16.18% | 13.84% | -1,841 bps | |
| Total Risk-Based Capital | 150.25% | 120.34% | 129.30% | 60.64% | 46.39% | 36.54% | 31.91% | 25.83% | -3,482 bps | |
| Equity / Assets | 42.33% | 30.89% | 33.11% | 28.77% | 23.04% | 16.91% | 15.19% | 12.73% | -1,603 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.76% | 29.08% | 30.12% | 58.25% | 64.64% | 61.53% | 61.75% | 63.96% | +571 bps | |
| Liquid Assets / Assets | 61.01% | 64.39% | 63.65% | 41.99% | 37.58% | 39.63% | 34.26% | 33.70% | -829 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 75.66% | 95.44% | 94.88% | n/a | n/a | |