Native American Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Native American Bank, N.A. is an FDIC-insured commercial bank headquartered in Denver, CO, established in 1987 (FDIC certificate 27026), and it is supervised by the OCC. At Q2 2026 it reported total assets of $362.0M, down 14.0% from Q2 2025, the 30th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27026
- Headquarters
- Denver, CO
- Established
- 1987
- Total assets, Q2 2026
- $362.0M
- Assets vs Q2 2025
- -14.0%
- Tier 1 leverage ratio, Q2 2026
- 14.39%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 102007273
- Latest call report
- Q2 2026, FFIEC 051 · Native American Bank, N.A. call report
- Holding company
- NATIVE AMERICAN BANCORPORATION CO., THE
- Asset rank in state
- 30th of 63 in Colorado
Native American Bank, N.A. earns an unusually wide margin on its lending. Based in Denver, Colorado, it had $362 million in assets at June 30, 2026, down 14.0% from a year earlier. It keeps 5.34 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.63% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Earnings fell sharply: quarterly net income of $1.0 million was 50% below a year earlier. Over the same year, loans grew 7.0% and deposits shrank 18.0%. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Native American Bank, N.A. reported a return on assets of 1.08%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Native American Bank, N.A. is the 30th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.8% to $362.0M, loans rose 1.3% and deposits fell 7.0%. Loans to states and political subdivisions made up 51.9% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 24.6%. Its 3 offices in the FDIC Summary of Deposits are in Denver, CO, Browning, MT and Quil Ceda Village, WA; its Denver office books 88% of its branch deposits. Judged on its Q2 2026 call report, Native American Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N Broadway, Denver, CO 80203
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 27, 1987
- Former names
- Native American National Bank (2001)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $302.6M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $379.8M
- Average total loans
- $208.4M
- Average interest-bearing deposits
- $271.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 27, 1987
- FDIC Cert
- 27026
- Fed RSSD
- 664653
- SEC CIK
- 1161151 → filed by NATIVE AMERICAN BANCORPORATION CO., THE
- Website
- www.nativeamericanbank.com →
- Parent Holding Company
- NATIVE AMERICAN BANCORPORATION CO., THE (RSSD 2943419)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Native American Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Native American Bank, N.A.'s total assets moved between a low of $232.9M (Q3 2023) and a high of $421.1M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$362.0M total assets against $421.1M; $308.4M total liabilities against $374.9M.
$208.0M net loans and leases against $194.5M; $302.6M total deposits against $369.0M.
$51.0M securities against $51.6M; $73.6M cash and balances due against $151.5M.
$5.2M total interest income against $6.0M; $505K total interest expense against $795K.
$4.7M net interest income against $5.2M.
$291K total noninterest income against $600K; $3.6M total noninterest expense against $3.1M.
$0 provision for credit losses against $50K.
$1.0M net income against $2.0M.
1.08% return on assets against 1.93%; 5.34% net interest margin against 5.18%.
14.39% tier 1 leverage ratio against 11.16%.
Inside the full Native American Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNative American Bank, N.A. rankings
Its closest position to the top of a national ranking is 2,182 of 4,196, for total assets; its furthest is 3,348 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q2 2026) to 1.97% (Q4 2024) and its net interest margin ran from 4.60% (Q3 2024) to 5.34% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.39% | 1.08% | 0.94% | 0.00% | 5.34% |
| Q1 2026 | 13.73% | 1.25% | 0.98% | 0.09% | 5.08% |
| Q4 2025 | 13.14% | 1.11% | 1.14% | 0.81% | 5.13% |
| Q3 2025 | 11.67% | 1.22% | 1.15% | 1.01% | 5.18% |
| Q2 2025 | 11.16% | 1.93% | 1.21% | 1.12% | 5.18% |
| Q1 2025 | 11.20% | 1.35% | 1.34% | 1.18% | 4.72% |
| Q4 2024 | 10.21% | 1.97% | 1.92% | 1.31% | 5.05% |
| Q3 2024 | 11.25% | 1.85% | 0.88% | 0.86% | 4.60% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Native American Bank, N.A. (main office) | Denver , CO | 80203 | $264.8M |
| Main Office Branch | Browning , MT | 59417 | $32.2M |
| Tulalip Branch | Quil Ceda Village , WA | 98271 | $5.6M |
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 2, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC)
- March 12, 2010, OCC: Capital Directive: Native American Bank, National Association
- August 18, 2008, OCC: Formal Agreement: Native American Bank, National Association
- April 15, 2003, OCC: Formal Agreement: Native American Bank, National Association
- July 24, 2001, OCC: Formal Agreement: Blackfeet National Bank
- Period: Most recent institution action March 12, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CO, rank 61 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $950K approved, $950K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Native American Bank, N.A.
What are Native American Bank, N.A.'s total assets?
As of the Q2 2026 filing, Native American Bank, N.A. reported total assets of $362.0 million in its FFIEC call report.
Where is Native American Bank, N.A. headquartered?
It is headquartered in Denver, CO, United States.
When was Native American Bank, N.A. founded?
It was established in 1987, per the FDIC institution directory.
Is Native American Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27026). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Native American Bank, N.A.?
Native American Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Native American Bank, N.A. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Native American Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Native American Bank, N.A. previously called?
The charter now named Native American Bank, N.A. has also operated as Native American National Bank (2001), per FDIC structure-change records.
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