Native American Bank, National Association: how it compares with its peers
Against 33 CO banks with half to twice its assets, Native American Bank, National Association's strongest measure in Q2 2026 is net interest margin (5.32% vs. a 4.09% peer median). Its weakest relative measure is efficiency ratio (71.36% vs. 65.59%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.23% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.32% | 4.09% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.36% | 65.59% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $7.9M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.74% | 86.27% | Context |
What it means for lending operations
Its efficiency ratio of 71.36% is above the 65.59% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FlatIrons Bank Boulder, CO · $370M
- 5Star Bank Colorado Springs, CO · $378M
- Alamosa State Bank Alamosa, CO · $340M
- First FarmBank Greeley, CO · $384M
- San Luis Valley Federal Bank Alamosa, CO · $390M
- The Colorado Bank and Trust Company of La Junta La Junta, CO · $330M
Questions about Native American Bank, National Association
How big is Native American Bank, National Association?
Native American Bank, National Association, established in 1987, is headquartered in Denver, CO. It reported $362M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Native American Bank, National Association's return on assets?
1.18% annualized in Q2 2026, against a 1.23% median for 33 CO banks with half to twice its assets, ahead of 48% of them.
What is Native American Bank, National Association's efficiency ratio?
71.36% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 65.59%, and lower is better.
Is Native American Bank, National Association growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits shrank 18.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.