Native American Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.26 percentage points in Q2 2026 to 5.34%, the biggest move on this page. On net interest margin, Native American Bank, N.A. ranks 5th highest among the 63 banks headquartered in Colorado, at 5.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Native American Bank, N.A. sits 1.39 points higher, at 5.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 7.30% |
| Yield on securities | 4.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.63% |
| Cost of interest-bearing deposits | 0.76% |
| Cost of interest-bearing liabilities | 0.76% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.34% |
| Yield to cost spread | 5.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $505K |
| Interest expense on deposits | $504K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.61% | 1.04% | 4.65% | 6.55% | 2.96% |
| Q4 2023 | 5.90% | 0.97% | 5.00% | 6.72% | 2.96% |
| Q1 2024 | 5.84% | 1.03% | 4.95% | 6.95% | 3.12% |
| Q2 2024 | 6.17% | 1.20% | 5.05% | 7.02% | 3.43% |
| Q3 2024 | 5.83% | 1.29% | 4.60% | 7.42% | 3.53% |
| Q4 2024 | 5.98% | 1.00% | 5.05% | 7.41% | 3.82% |
| Q1 2025 | 5.51% | 0.85% | 4.72% | 7.17% | 3.96% |
| Q2 2025 | 5.98% | 0.87% | 5.18% | 7.24% | 4.05% |
| Q3 2025 | 5.98% | 0.87% | 5.18% | 7.60% | 4.07% |
| Q4 2025 | 5.83% | 0.76% | 5.13% | 7.33% | 4.08% |
| Q1 2026 | 5.69% | 0.67% | 5.08% | 7.23% | 4.06% |
| Q2 2026 | 5.91% | 0.63% | 5.34% | 7.30% | 4.03% |
Native American Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Native American Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)