Native American Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.69 percentage points higher than in Q1 2026, at 69.41%. Within Colorado, Native American Bank, N.A. is 37th of 63 on return on assets, 1.08% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Native American Bank, N.A. sits 0.17 points lower, at 1.08% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.39% |
| Equity capital to assets | 14.80% |
| Tangible equity to tangible assets | 14.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.56% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 102.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 7.68% |
| Net interest margin | 5.34% |
| Efficiency ratio | 73.29% |
| Yield on earning assets | 5.91% |
| Cost of funds | 0.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.41% |
| Core deposits to total deposits | 75.87% |
| Brokered deposits to total deposits | 17.01% |
| Deposits to assets | 83.58% |
| Securities to assets | 14.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.28% | 1.95% | 4.65% | 1.93% | -0.03% |
| Q4 2023 | 13.77% | 1.00% | 5.00% | 3.34% | -0.03% |
| Q1 2024 | 12.57% | 1.20% | 4.95% | 1.79% | -0.02% |
| Q2 2024 | 12.83% | 1.26% | 5.05% | 1.75% | -0.02% |
| Q3 2024 | 11.25% | 1.85% | 4.60% | 0.88% | 0.91% |
| Q4 2024 | 10.21% | 1.97% | 5.05% | 1.92% | -0.00% |
| Q1 2025 | 11.20% | 1.35% | 4.72% | 1.34% | -0.15% |
| Q2 2025 | 11.16% | 1.93% | 5.18% | 1.21% | 0.00% |
| Q3 2025 | 11.67% | 1.22% | 5.18% | 1.15% | 0.00% |
| Q4 2025 | 13.14% | 1.11% | 5.13% | 1.14% | 0.00% |
| Q1 2026 | 13.73% | 1.25% | 5.08% | 0.98% | -0.00% |
| Q2 2026 | 14.39% | 1.08% | 5.34% | 0.94% | 0.00% |
Native American Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Native American Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)