Native American Bank, National Association
Denver, Colorado, Denver County
$362M in total assets, the 2,227th largest of 4,309 US banks and 30th of 63 headquartered in Colorado.
- FDIC certificate
- 27026
- Established
- 1987
- Owned by
- Native American Bcorp Co The
- Primary regulator
- OCC
- Website
- www.nativeamericanbank.com
At a glance
Compared with 48 banks headquartered in Colorado with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $362M | 56% | $318M | |
| Loans | $210M | 52% | $202M | |
| Deposits | $303M | 58% | $277M | |
| Return on assets | 1.16% | 52% | 1.13% | |
| Net interest margin | 5.32% | 92% | 4.11% | |
| Efficiency ratio | 71.4% | 71% | 67.5% | |
| Equity to assets | 14.80% | 83% | 10.79% | |
| Loans to deposits | 69% | 25% | 82% |
Growth
Total assets grew 16.8% a year over the last 5 years and 15.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2007 | First National Bank of Lake City & Creede Lake City, CO | $34M |
Where they operate
3 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Denver County, CO | $265M | 0.4% | 19 of 45 |
| Glacier County, MT | $32M | 15.6% | 3 of 3 |
| Snohomish County, WA | $6M | 0.0% | 22 of 22 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (2 to 3, +50.0%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2025 | Opened Quil Ceda Village | 1 | 0 | +1 | 3 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 25% | 7% | |
| Commercial real estate | 17% | 30% | |
| Construction and land | 7% | 9% | |
| Consumer | 0% | 2% | |
| Farmland | 0% | 10% | |
| 1-4 family residential | 0% | 32% | |
| Multifamily | 0% | 2% | |
| Agricultural | 0% | 7% | |
| Other | 52% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 69% | 49% | |
| Noninterest-bearing | 17% | 23% | |
| Time deposits | 14% | 28% |
Brokered deposits are 17.0% of deposits (peers 3.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.19% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 0.96% | 1.19% |
| Leverage ratio | 14.39% | 11.54% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Colorado
Largest competitors in Denver County, CO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/native-american