Bank Comparison
5star Bank vs Native American Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | 5star Bank | Native American Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 18.55% | 13.73% |
| Equity / Assets | 17.32% | 13.73% |
Profitability
| Metric | 5star Bank | Native American Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.03% | 1.25% |
| Return on Equity (ROE) | 11.07% | 9.27% |
| Net Interest Margin (NIM) | 5.37% | 5.08% |
| Yield on Earning Assets | 7.01% | 5.69% |
| Cost of Funds | 1.85% | 0.67% |
Asset quality
| Metric | 5star Bank | Native American Bank, N.A. |
|---|---|---|
| Texas Ratio | 11.45% | 3.69% |
| Non-Performing Loan Ratio | 2.52% | 0.98% |
| Non-Performing Asset Ratio | 2.02% | 0.53% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.21% | 0.97% |
Balance sheet
| Metric | 5star Bank | Native American Bank, N.A. |
|---|---|---|
| Total Assets | $388,729K | $384,497K |
| Total Deposits | $319,412K | $325,545K |
| Total Loans | $311,290K | $207,416K |
| Total Equity | $67,324K | $52,793K |
| Net Income (quarter) | $1,838K | $1,213K |
Liquidity & funding
| Metric | 5star Bank | Native American Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 97.46% | 63.71% |
| Core Deposit Ratio | 95.18% | 94.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | 5star Bank | Native American Bank, N.A. |
|---|---|---|
| Headquarters City | COLORADO SPRINGS | DENVER |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 21158 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 51 | 56 |
| Established | June 10, 1980, midnight | July 27, 1987, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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