Denver, CO · Cert 27026 · Native American Bcorp Co. the
National charter · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
52
Profitability
68
Liquidity
65
Efficiency
41
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.
Denver, CO · Cert 27026 · Native American Bcorp Co. the
National charter · OCC · 3 branches
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.2% share · #29 of 68 inst. · $0.3B of $113.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.61% | 1.36% | 1.67% | 1.51% | 1.42% | 1.25% | 1.18% | -49 bps | |
| Return on Equity | 12.74% | 14.82% | 13.10% | 15.73% | 14.02% | 12.58% | 9.27% | 8.47% | -725 bps | |
| Net Interest Margin | 4.08% | 3.85% | 4.48% | 4.61% | 4.75% | 4.90% | 4.71% | 4.88% | +28 bps | |
| Efficiency Ratio | 61.72% | 58.21% | 62.73% | 57.39% | 60.38% | 62.36% | 69.54% | 71.36% | +1,397 bps | |
| Non-Interest Burden | 2.29% | 1.97% | 2.72% | 2.47% | 2.72% | 2.91% | 3.06% | 3.34% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 72.34% | 40.17% | 38.80% | 41.21% | 4.23% | -2.76% | -3.78% | -14.02% | -5,524 bps | |
| Loan Growth (YoY) | 15.99% | 20.24% | 16.95% | 26.80% | 30.33% | 11.98% | 17.24% | 7.03% | -1,976 bps | |
| Deposit Growth (YoY) | 82.19% | 43.47% | 39.51% | 42.04% | 1.35% | -7.14% | -6.80% | -17.99% | -6,003 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 1.92% | 1.34% | 1.21% | 1.15% | 1.14% | 0.98% | 0.94% | -27 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.19% | -0.15% | -0.07% | -0.04% | -0.03% | 0.00% | 0.00% | +7 bps | |
| Allowance / Loans | 0.76% | 0.81% | 0.82% | 0.89% | 0.93% | 1.02% | 0.97% | 0.96% | +7 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.4x | 0.6x | 0.7x | 0.8x | 0.9x | 1.0x | 1.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.25% | 10.21% | 11.20% | 11.16% | 11.67% | 13.14% | 13.73% | 14.39% | +323 bps | |
| Total Risk-Based Capital | 11.25% | 10.21% | 11.20% | 11.16% | 11.67% | 13.14% | 13.73% | 14.39% | +323 bps | |
| Equity / Assets | 9.49% | 9.78% | 11.01% | 10.98% | 11.43% | 13.21% | 13.73% | 14.80% | +383 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.27% | 49.14% | 50.65% | 53.18% | 55.65% | 59.26% | 63.71% | 69.41% | +1,622 bps | |
| Liquid Assets / Assets | 46.74% | 39.47% | 37.84% | 35.56% | 32.13% | 29.62% | 24.02% | 19.68% | -1,588 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 96.55% | 92.54% | 91.19% | n/a | n/a | |
Denver, CO · Cert 27026 · Peer group: banks under $1B in assets (n=581-629) · Native American Bcorp Co. the
National charter · OCC · 3 branches
Q2 2026
Return on Assets
1.23%
Rank 220 of 629
Net Interest Margin
4.88%
Rank 33 of 629
Efficiency Ratio
71.36%
Rank 370 of 629
Equity / Assets
14.80%
Rank 146 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.60% | 1.01% | 1.45% | Beats 65% | 220 / 629 | ||
| Return on Equity | 8.34% | 5.38% | 9.30% | 13.28% | Beats 43% | 359 / 629 | ||
| Net Interest Margin | 4.88% | 3.03% | 3.54% | 4.05% | Beats 95% | 33 / 629 | ||
| Efficiency Ratio | 71.36% | 58.35% | 67.79% | 79.08% | Beats 41% | 370 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.09% | 0.46% | 1.20% | Beats 32% | 398 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 168 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.39% | 11.24% | 13.84% | 18.77% | Beats 55% | 286 / 629 | ||
| Total Risk-Based Capital Ratio | 14.39% | 11.58% | 14.43% | 19.66% | Beats 49% | 318 / 629 | ||
| Equity / Assets | 14.80% | 9.09% | 10.65% | 13.80% | Beats 77% | 146 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.41% | 67.24% | 80.90% | 93.48% | 29th pctl | 420 / 594 | ||
| Loans / Assets | 58.01% | 53.31% | 67.71% | 78.15% | 32nd pctl | 429 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||