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 | |