Transact Bank, N.A.: Financial Reports & UBPR Data
BankRegReports is independent of Transact Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Transact Bank, N.A. spends more to run itself than most banks of its size. It reported $6.5 million in assets at June 30, 2026, up 3.6% from a year earlier. It spends about 101 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also keeps 2.33 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.88 cents).
It lost $3,000 in the quarter. Over the same year, loans shrank 5.2% and deposits grew 8.1%. Profitability lags: it loses about $0.18 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.06).
As of June 30, 2026, Transact Bank, N.A. reported a CET1 capital ratio of 40.68%, a return on assets of -0.18%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 700 17th St, Denver, CO 80202
- County
- Denver
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 11, 1905
- Former names
- Colorado National Bank (2011-2020)
- Offices
- 1 domestic
- Employees (FTE)
- 7
- Domestic deposits
- $5.1M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $6.6M
- Average total loans
- $2.3M
- Average interest-bearing deposits
- $3.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 27, 1934
- FDIC Cert
- 13986
- Fed RSSD
- 403254
- Website
- www.transactbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Transact Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Transact Bank, N.A., freeTransact Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 40.68% | -0.18% | 0.00% | 0.00% | 2.33% |
| Q1 2026 | 39.57% | 0.84% | 0.00% | 0.00% | 2.62% |
| Q4 2025 | 38.43% | 1.62% | 0.00% | 0.00% | 2.45% |
| Q3 2025 | 36.82% | -0.54% | 0.00% | 0.00% | 3.09% |
| Q2 2025 | 36.90% | -2.41% | 0.00% | 0.00% | 2.83% |
| Q1 2025 | 37.63% | -1.79% | 0.00% | 0.00% | 3.40% |
| Q4 2024 | 43.24% | 23.97% | 0.00% | 0.00% | 3.05% |
| Q3 2024 | 18.89% | -23.06% | 0.00% | 0.00% | 4.58% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Transact Bank, N.A. (main office) | Denver , CO | 80202 | $5.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 27, 2019 | Structure Change | Sale of Assets | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Transact Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC)
- March 30, 2021, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Transact Bank, National Association
- May 31, 2016, OCC: Formal Agreement: Colorado National Bank
- March 29, 2001, OCC: Formal Agreement: The Palisades National Bank
- Period: Most recent institution action March 30, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CO, rank 120 of 124 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $3.4M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Transact Bank, N.A.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Transact Bank, N.A. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Transact Bank, N.A.
What are Transact Bank, N.A.'s total assets?
As of the Q2 2026 filing, Transact Bank, N.A. reported total assets of $6.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Transact Bank, N.A. headquartered?
Transact Bank, N.A. is headquartered in Denver, CO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Transact Bank, N.A. founded?
Transact Bank, N.A. was established in 1905, per the FDIC institution directory.
Is Transact Bank, N.A. FDIC-insured?
Yes. Transact Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #13986). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Transact Bank, N.A.?
Transact Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Transact Bank, N.A.'s CET1 capital ratio?
Transact Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 40.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Transact Bank, N.A. operate?
Transact Bank, N.A. 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 Transact Bank, N.A.'s Texas Ratio?
Transact Bank, N.A.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Transact Bank, N.A. previously called?
The charter now named Transact Bank, N.A. has also operated as Colorado National Bank (2011-2020), per FDIC structure-change records.
Go deeper on Transact Bank, N.A.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Transact Bank, N.A., freeFree account