Native American Bank NA
Denver, Colorado · FDIC Cert #27026
This is the FDIC profile for Native American Bank NA, an FDIC-insured bank (Certificate #27026) with $298M in total assets and $260M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Denver, Colorado, the bank maintains a Tier 1 capital ratio of 12.83% (Well-Capitalized) and a nonperforming loan ratio of 1.75%. BankHealthData assigns a composite Health Grade of A (82/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Native American Bank NA (FDIC cert 27026) is a community bank — $298M in total assets, $260M in deposits, serving the Denver, Colorado area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.83% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.75% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 42.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.58% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Native American Bank NA carries a composite BankHealth grade of A (82/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Native American Bank NA
- Total Assets
- $298M
- Total Deposits
- $260M
- Tier 1 Capital Ratio
- 12.83%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.75%
- Liquidity Ratio
- 42.39%
- Return on Assets
- 1.58%
- Headquarters
- Denver, Colorado
- FDIC Certificate
- #27026
- Health Grade
- A (82/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Native American Bank NA files quarterly Call Reports with the FDIC under Certificate #27026. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Native American Bank NA holds a Tier 1 capital ratio of 12.83%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Native American Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Native American Bank NA shows strong financial health indicators. With $298M in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Native American Bank NA Compares
Native American Bank NA’s Health Score of 82 is 1 points above the Colorado state average of 81 across 62 FDIC-insured banks. Its 12.83% Tier 1 capital ratio is 1.2 points below the US banking industry average near 14%. The 1.75% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.58% is in line with or above the national ROA benchmark of ~1.1%. Among 1586 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, Native American Bank NA is 2 points above the portfolio average of 80.
Frequently Asked Questions
Native American Bank NA has a Bank Health Score of A (82/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.83%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Native American Bank NA's Tier 1 capital ratio of 12.83% and nonperforming loan ratio of 1.75% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Native American Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27026). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Native American Bank NA holds $298M in total assets and $260M in total deposits. It is headquartered in Denver, Colorado (FDIC Certificate #27026).
Native American Bank NA's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #27026 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Native American Bank NA has a Tier 1 capital ratio of 12.83%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.75%, and the return on assets is 1.58%.
Yes. Native American Bank NA is FDIC-insured (Certificate #27026). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Native American Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.