Transact Bank, N.A.
BankRegReports is independent of Transact Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Transact Bank, N.A. is an FDIC-insured commercial bank headquartered in Denver, CO, established in 1905 (FDIC certificate 13986), and it is supervised by the OCC. At Q2 2026 it reported total assets of $6.5M, up 3.6% from Q2 2025, the 63rd largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 40.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 13986
- Headquarters
- Denver, CO
- Established
- 1905
- Total assets, Q2 2026
- $6.5M
- Assets vs Q2 2025
- +3.6%
- CET1 ratio, Q2 2026
- 40.68%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 102101441
- Latest call report
- Q2 2026, FFIEC 051 · Transact Bank, N.A. call report
- Asset rank in state
- 63rd of 63 in Colorado
Transact Bank, N.A., based in Denver, Colorado, reported $6.5 million in assets at June 30, 2026, up 3.6% from a year earlier. It keeps 2.33 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
It lost $3,000 in the quarter. Over the same year, loans shrank 5.2% and deposits grew 8.1%. Profitability lags: it is losing 1.1% a year on shareholders' equity, lower than about three-quarters of banks its size (median 8.6%).
As of June 30, 2026, Transact Bank, N.A. reported a CET1 capital ratio of 40.68%, a return on assets of -0.18%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Transact Bank, N.A. ranks as the smallest of the 63 banks based in Colorado, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.9% to $6.5M, loans fell 1.5% and deposits fell 6.6%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 100.0% of total loans. Its one office in the FDIC Summary of Deposits is in Denver, CO. Judged on its Q2 2026 call report, Transact Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 700 17th St, Denver, CO 80202
- 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
- —
- Call Report form
- FFIEC 051
- Established
- December 11, 1905
- Former names
- Colorado National Bank (2011-2020)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $5.1M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $6.6M
- Average total loans
- $2.3M
- Average interest-bearing deposits
- $3.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 27, 1934
- FDIC Cert
- 13986
- Fed RSSD
- 403254
- Website
- www.transactbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Transact Bank, N.A.'s total assets moved between a low of $6.3M (Q2 2025) and a high of $11.7M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.5M total assets against $6.3M; $5.4M total liabilities against $5.2M.
$2.2M net loans and leases against $2.4M; $5.1M total deposits against $4.7M.
$364K securities against $434K; $1.4M cash and balances due against $788K.
$51K total interest income against $55K; $26K total interest expense against $26K.
$25K net interest income against $29K.
$557K total noninterest income against $418K; $585K total noninterest expense against $487K.
No provision recorded in the last 12 quarters.
-$3K net income against -$40K.
-0.18% return on assets against -2.41%; 2.33% net interest margin against 2.83%.
40.68% CET1 capital ratio against 36.90%; 16.27% tier 1 leverage ratio against 15.78%.
Inside the full Transact Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTransact Bank, N.A. rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -23.06% (Q3 2024) to 23.97% (Q4 2024) and its net interest margin ran from 2.33% (Q2 2026) to 4.58% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 40.68% | -0.18% | 0.00% | 0.00% | 2.33% |
| Q1 2026 | 39.57% | 0.84% | 0.00% | 0.00% | 2.62% |
| Q4 2025 | 38.43% | 1.62% | 0.00% | 0.00% | 2.45% |
| Q3 2025 | 36.82% | -0.54% | 0.00% | 0.00% | 3.09% |
| Q2 2025 | 36.90% | -2.41% | 0.00% | 0.00% | 2.83% |
| Q1 2025 | 37.63% | -1.79% | 0.00% | 0.00% | 3.40% |
| Q4 2024 | 43.24% | 23.97% | 0.00% | 0.00% | 3.05% |
| Q3 2024 | 18.89% | -23.06% | 0.00% | 0.00% | 4.58% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Transact Bank, N.A. (main office) | Denver , CO | 80202 | $5.1M |
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 27, 2019 | Structure Change | Sale of Assets | FFIEC NIC |
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
- 3 against the institution (OCC)
- March 30, 2021, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Transact Bank, National Association
- May 31, 2016, OCC: Formal Agreement: Colorado National Bank
- March 29, 2001, OCC: Formal Agreement: The Palisades National Bank
- Period: Most recent institution action March 30, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CO, rank 120 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $3.4M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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
Add this badge to your website
Free to use. It shows Transact Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Transact Bank, N.A.
What are Transact Bank, N.A.'s total assets?
As of the Q2 2026 filing, Transact Bank, N.A. reported total assets of $6.5 million in its FFIEC call report.
Where is Transact Bank, N.A. headquartered?
It is headquartered in Denver, CO, United States.
When was Transact Bank, N.A. founded?
It was established in 1905, per the FDIC institution directory.
Is Transact Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13986). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Transact Bank, N.A.?
Transact Bank, N.A.'s primary federal regulator is the OCC.
What is Transact Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 40.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Transact Bank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Transact 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 Transact Bank, N.A. previously called?
The charter now named Transact Bank, N.A. has also operated as Colorado National Bank (2011-2020), per FDIC structure-change records.
Go deeper on Transact Bank, N.A.
Get an email when Transact Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Transact Bank, N.A., freeFree account