BlastPoint's Banking Scorecard
Native American Bank, National Association
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Denver, CO
3 branches across CO · MT · WA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits -18.0% year over year ($302.6M on the books).
- Delinquency rate 0.95%.
- Return on assets 1.18%.
- Efficiency ratio 71.36% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.74% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Native American Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.33% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 24.7% in tier
- - ROA 0.15% below tier average
- - Efficiency Ratio 6.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.0M
-14.0% YoY
-5.8% QoQ
|
-$24.5M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$208.0M
+7.0% YoY
+1.3% QoQ
|
-$50.3M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$302.6M
-18.0% YoY
-7.0% QoQ
|
-$24.1M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
1.18%
-29.3% YoY
-5.7% QoQ
|
-0.15% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
5.32%
+5.6% YoY
+3.7% QoQ
|
+1.33% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Top 4.3% in tier |
| Efficiency Ratio ? |
71.36%
+24.3% YoY
+2.6% QoQ
|
+6.88% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.95%
-22.2% YoY
-3.5% QoQ
|
+0.03% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
68.74%
+30.4% YoY
+9.0% QoQ
|
-9.21% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
16.59%
+3.4% YoY
+14.9% QoQ
|
-5.44% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.55%
-3.2% YoY
+3.7% QoQ
|
-0.12% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
14.39%
+29.0% YoY
+4.8% QoQ
|
-1.52% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.27%
+31.4% YoY
+52.1% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.6%
+0.5pp YoY +2.1pp QoQ |
-5.6pp | 22.1% | 23.5% | 22.2% | 30% |
| Brokered Deposits |
17.0%
+7.1pp YoY -0.7pp QoQ |
+9.2pp | 7.9% | 7.4% | 8.5% | 88% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.8%
-0.6pp YoY -0.1pp QoQ |
+13.2pp | 11.6% | 8.4% | 12.5% | 93% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 33.0% | 31.3% | n/a |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 3.9% | 5.0% | 3% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
14.4%
+3.2pp YoY +0.7pp QoQ |
+2.2pp | 12.2% | 12.5% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
60
+12 (+25.0%) YoY +4 (+7.1%) QoQ |
+1 | 58 | 107 | 482 | 63% |
| Assets per Employee ($) |
$6.0M
-31.2% YoY -12.1% QoQ |
-$1.5M | $7.5M | $7.8M | $8.8M | 34% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual |
1.0%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 0.9% | 0.8% | 1.0% | 70% |
| Allowance Coverage |
1.02x
+39.0% YoY +2.3% QoQ |
-23.13x | 24.15x | 12.16x | 20.23x | 27% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.5%
-7.3pp YoY -0.8pp QoQ |
-3.7pp | 12.2% | 9.7% | 11.6% | 28% |
| Cost of Funds (YTD) |
0.6%
-0.2pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 1.7% | 1.7% | 3% |
| Net Income ($, YTD) |
$2.2M
-34.3% YoY — QoQ |
-$320K | $2.6M | $5.4M | $40.4M | 57% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.