Native American Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 5.69 percentage points in Q2 2026, from 63.71% to 69.41%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Native American Bank, N.A. is 46th of 63 on loan-to-deposit ratio, 69.41% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Native American Bank, N.A. sits 11.43 points lower, at 69.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $210.0M |
| Net loans and leases | $208.0M |
| Loans held for sale | $0 |
| Loans to total assets | 58.01% |
| Loan-to-deposit ratio | 69.41% |
| Net loans to equity capital | 3.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.76% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 24.49% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 51.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.55% |
| Construction concentration (Tier 1 capital + allowance) | 26.03% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $3.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $134.2M | $197.5M | 21.79% | 68.50% | 0.06% |
| Q4 2023 | $147.3M | $251.3M | 20.36% | 70.62% | 0.06% |
| Q1 2024 | $151.3M | $250.4M | 18.58% | 72.55% | 0.06% |
| Q2 2024 | $154.8M | $259.8M | 19.75% | 71.27% | 0.05% |
| Q3 2024 | $155.7M | $359.8M | 22.05% | 68.41% | 0.06% |
| Q4 2024 | $177.2M | $360.5M | 25.53% | 70.40% | 0.06% |
| Q1 2025 | $176.9M | $349.3M | 14.88% | 26.30% | 0.05% |
| Q2 2025 | $196.2M | $369.0M | 17.31% | 25.14% | 0.05% |
| Q3 2025 | $202.9M | $364.6M | 17.85% | 25.69% | 0.05% |
| Q4 2025 | $198.4M | $334.8M | 17.87% | 23.23% | 0.05% |
| Q1 2026 | $207.4M | $325.5M | 17.19% | 24.59% | 0.05% |
| Q2 2026 | $210.0M | $302.6M | 16.76% | 24.49% | 0.05% |
Native American Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Native American Bank, N.A., freeSource: Call Report Schedule RC-C, 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 Native American Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27026) · FFIEC NIC profile (RSSD 664653)