BlastPoint's Banking Scorecard
Native American Bank, National Association
Micro
Specialty: Other
CO
FDIC cert 27026
Designations: ✓ Community bank
Denver, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Native American Bank, National Association demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.26% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$393.0M
-2.8% YoY
-6.1% QoQ
|
+$175.5M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$196.4M
+11.7% YoY
-2.3% QoQ
|
+$57.2M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$334.8M
-7.1% YoY
-8.2% QoQ
|
+$151.1M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.42%
-11.8% YoY
-6.4% QoQ
|
+0.33% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
5.11%
+3.8% YoY
+0.4% QoQ
|
+1.26% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
62.36%
+7.1% YoY
+3.3% QoQ
|
-5.37% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
1.15%
-40.5% YoY
-0.6% QoQ
|
+0.51% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
58.65%
+20.3% YoY
+6.4% QoQ
|
-15.87% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
14.30%
-24.7% YoY
-7.7% QoQ
|
-8.09% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.57%
-31.6% YoY
+3.4% QoQ
|
+0.12% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.38%
-41.3% YoY
+36.5% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.11%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%
87
87th pctile
Total Deposits
Current: $334.8M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $393.0M · Tier avg: $217.5M
73
73th pctile
Total Loans
Current: $196.4M · Tier avg: $139.2M
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
61
61th pctile
Efficiency Ratio
Current: 62.36% · Tier avg: 67.73%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.64%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.65% · Tier avg: 74.53%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.30% · Tier avg: 22.39%
Top Weaknesses
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.30% · Tier avg: 22.39%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.65% · Tier avg: 74.53%
25
25th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
61
61th pctile
Efficiency Ratio
Current: 62.36% · Tier avg: 67.73%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
73
73th pctile
Total Loans
Current: $196.4M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $393.0M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $334.8M · Tier avg: $183.7M
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%