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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

$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