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Native American Bank, National Association

Denver, CO · Cert 27026 · Native American Bcorp Co. the

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Native American Bank, National Association

Denver, CO · Cert 27026 · Native American Bcorp Co. the

National charter · OCC · 3 branches

Q2 2026

$362.0MAssets
$210.0MLoans
$302.6MDeposits
$53.6MEquity
Loan mix
49%RE $48.7M51%C&I $51.1M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $252.4M17%Noninterest $50.2MQ2 2025Q2 2026

NIM

5.62%Q2 ’245.33%Q2 ’255.44%Q2 ’26-2%+6%

Non-interest income vs. expense

3.27%Q2 ’242.87%Q2 ’253.84%Q2 ’26-17%+35%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.2% share · #29 of 68 inst. · $0.3B of $113.6B

0.4% Denver
15.6% Glacier
0.0% Snohomish

Executive Summary

  • Earnings: ROA of 1.18%, down 49 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.94% of loans (-27 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.39%, up 323 bps from a year ago.
  • Funding: loans stand at 69.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%-49 bps YoY

Net Interest Margin (YTD, annualized)

4.88%+28 bps YoY

Efficiency Ratio (YTD, annualized)

71.36%+1,397 bps YoY

Tier 1 Leverage Ratio

14.39%+323 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.51%1.42%1.25%1.18%-49 bps
Return on Equity15.73%14.02%12.58%9.27%8.47%-725 bps
Net Interest Margin4.61%4.75%4.90%4.71%4.88%+28 bps
Efficiency Ratio57.39%60.38%62.36%69.54%71.36%+1,397 bps
Non-Interest Burden2.47%2.72%2.91%3.06%3.34%+87 bps
Growth
Asset Growth (YoY)41.21%4.23%-2.76%-3.78%-14.02%-5,524 bps
Loan Growth (YoY)26.80%30.33%11.98%17.24%7.03%-1,976 bps
Deposit Growth (YoY)42.04%1.35%-7.14%-6.80%-17.99%-6,003 bps
Asset Quality
Nonperforming Loans / Loans1.21%1.15%1.14%0.98%0.94%-27 bps
Net Charge-Offs / Loans-0.07%-0.04%-0.03%0.00%0.00%+7 bps
Allowance / Loans0.89%0.93%1.02%0.97%0.96%+7 bps
Allowance Coverage of NPLs0.7x0.8x0.9x1.0x1.0x+0.3x
Capital
Tier 1 Leverage Ratio11.16%11.67%13.14%13.73%14.39%+323 bps
Total Risk-Based Capital11.16%11.67%13.14%13.73%14.39%+323 bps
Equity / Assets10.98%11.43%13.21%13.73%14.80%+383 bps
Liquidity & Funding
Loans / Deposits53.18%55.65%59.26%63.71%69.41%+1,622 bps
Liquid Assets / Assets35.56%32.13%29.62%24.02%19.68%-1,588 bps
CRE / Total Capitaln/a96.55%92.54%91.19%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Native American Bank, National Association

Denver, CO · Cert 27026 · Peer group: banks under $1B in assets (n=570-617) · Native American Bcorp Co. the

National charter · OCC · 3 branches

Q2 2026

$362.0MAssets
$210.0MLoans
$302.6MDeposits
$53.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets (rank 31 of 617).
  • Widest gap: nonperforming loans / loans trails 68% of banks under $1B in assets (rank 388 of 570).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.23%

Rank 218 of 617

Net Interest Margin

4.88%

Rank 31 of 617

Efficiency Ratio

71.36%

Rank 362 of 617

Equity / Assets

14.80%

Rank 136 of 617

Non-interest income vs. expense

$1.9M$14.6MINCOMEEXPENSE
Unfavorable gap of $12.7M · efficiency ratio beats 41% of banks under $1B in assets
Bank 71.36%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.60%1.01%1.45%Beats 65%218 / 617
Return on Equity8.34%5.30%9.43%13.30%Beats 42%357 / 617
Net Interest Margin4.88%3.04%3.54%4.05%Beats 95%31 / 617
Efficiency Ratio71.36%58.03%67.76%79.08%Beats 41%362 / 617
Asset Quality
Nonperforming Loans / Loans0.94%0.09%0.47%1.27%Beats 32%388 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 71%171 / 570
Capital
Tier 1 Capital Ratio14.39%11.18%13.83%18.55%Beats 55%279 / 617
Total Risk-Based Capital Ratio14.39%11.56%14.39%19.39%Beats 50%309 / 617
Equity / Assets14.80%9.03%10.55%13.63%Beats 78%136 / 617
Liquidity & Funding
Loans / Deposits69.41%64.77%79.70%93.06%32nd pctl397 / 582
Loans / Assets58.01%51.70%67.18%77.51%34th pctl407 / 617
Brokered Deposits / Depositsn/aNot reported for this institution