BlastPoint's Banking Scorecard
Native American Bank, National Association
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Denver, CO
3 branches across CO · MT · WA
Native American Bank, National Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.20% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 4.7% in tier
- - Margin Compression: Bottom 28.2% in tier
- - Cost Spiral: Bottom 63.5% in tier
- - NIB Deposit Bleed: Bottom 65.7% in tier
- - Delinquency Rate 0.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.5M
-3.8% YoY
-2.2% QoQ
|
-$1.6M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$205.4M
+17.1% YoY
+4.6% QoQ
|
-$50.3M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$325.5M
-6.8% YoY
-2.8% QoQ
|
-$2.4M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
1.25%
-8.3% YoY
-12.0% QoQ
|
-0.02% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
5.13%
+7.5% YoY
+0.4% QoQ
|
+1.20% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Top 5.5% in tier |
| Efficiency Ratio ? |
69.54%
+10.9% YoY
+11.5% QoQ
|
+4.25% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.99%
-27.2% YoY
-14.3% QoQ
|
+0.10% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
63.09%
+25.6% YoY
+7.6% QoQ
|
-13.54% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
14.44%
-15.0% YoY
+1.0% QoQ
|
-7.58% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.53%
-11.5% YoY
-8.4% QoQ
|
-0.11% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
13.73%
+22.6% YoY
+4.5% QoQ
|
-2.10% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.18%
+176.5% YoY
-53.6% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
80% |
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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 (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.