# NATIVE AMERICAN BANK NA
DENVER, CO · FDIC certificate 27026 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $362.0M | |
| Deposits | $302.6M | |
| Loans and leases | $210.0M | |
| Total equity | $53.6M | |
| Loans / deposits | 68.74% (p24 of band) | 82.04% |
| Liquid assets / assets | 34.42% (p74 of band) | |
| Uninsured deposits / deposits | 45.72% (p93 of band) | 25.97% |
| Brokered deposits | 14.21% | |
| Wholesale funding | 14.21% (p86 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.39% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -3.54% (p69 of band) | -8.10% |
| AOCI / equity | -0.99% (p23 of band) | |
| ROA (annualized) | 1.18% (p44 of band) | 1.28% |
| Net interest margin | 5.32% (p97 of band) | 3.91% |
| Efficiency ratio | 71.36% (p76 of band) | |
| Noncurrent loans | 0.94% (p71 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 102.02% | |
| Real estate % of loans | 24% | |
| Construction % of loans | 27.49% (p34 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -18.0% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | reserve under noncurrent |
| 2011-09 | 5 | losing money |  |
| 2011-12 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 9 |  |  |
| 2012-09 | 9 |  |  |
| 2012-12 | 8 |  | noncurrent p90 |
| 2013-03 | 7 |  | uninsured deposits leaving |
| 2013-06 | 7 |  |  |
| 2013-09 | 5 |  | deposits shrinking, assets shrinking |
| 2013-12 | 8 | capital falling, noncurrent p90, assets shrinking |  |
| 2014-03 | 7 | uninsured deposits leaving | capital falling, assets shrinking |
| 2014-06 | 6 |  | uninsured deposits leaving |
| 2014-09 | 7 | capital falling |  |
| 2014-12 | 6 | charge-offs p90 | noncurrent p90, capital falling |
| 2015-03 | 5 | uninsured deposits leaving | reserve under noncurrent, charge-offs p90 |
| 2015-06 | 5 | capital falling | uninsured deposits leaving |
| 2015-09 | 5 | uninsured deposits leaving | losing money |
| 2015-12 | 3 |  | wholesale funding >15%, capital falling |
| 2016-03 | 2 | reserve under noncurrent | expense ratio p90, uninsured deposits leaving |
| 2016-06 | 2 | capital falling | reserve under noncurrent |
| 2016-09 | 3 | construction >100% equity |  |
| 2016-12 | 3 | reserve under noncurrent | capital falling |
| 2017-03 | 3 | expense ratio p90 | construction >100% equity |
| 2017-06 | 5 | wholesale funding >15%, noncurrent p90 |  |
| 2017-09 | 4 |  | wholesale funding >15% |
| 2017-12 | 4 | deposits shrinking | expense ratio p90 |
| 2018-03 | 6 | losing money, expense ratio p90 |  |
| 2018-06 | 4 |  | deposits shrinking, losing money |
| 2018-09 | 4 |  |  |
| 2018-12 | 7 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, capital falling | brokered >10% |
| 2019-03 | 2 | charge-offs p90 | noncurrent p90, expense ratio p90, loans exceed deposits, wholesale funding >15%, liquid assets <10%, capital falling |
| 2019-06 | 4 | brokered >10%, wholesale funding >15%, expense ratio p90 | charge-offs p90 |
| 2019-09 | 5 | uninsured deposits leaving |  |
| 2019-12 | 4 |  | uninsured deposits leaving |
| 2020-03 | 4 | capital falling | expense ratio p90 |
| 2020-06 | 5 | loans exceed deposits |  |
| 2020-09 | 4 |  | capital falling |
| 2020-12 | 2 |  | reserve under noncurrent, brokered >10% |
| 2021-03 | 2 |  |  |
| 2021-06 | 5 | brokered >10%, liquid assets <10%, assets shrinking |  |
| 2021-09 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2021-12 | 1 | reserve under noncurrent | wholesale funding >15%, brokered >10%, assets shrinking |
| 2022-03 | 3 | losing money, expense ratio p90, assets shrinking | reserve under noncurrent |
| 2022-06 | 1 | uninsured deposits >50% | losing money, expense ratio p90, assets shrinking |
| 2022-09 | 2 | reserve under noncurrent |  |
| 2022-12 | 2 | capital falling | reserve under noncurrent |
| 2023-03 | 2 | reserve under noncurrent | capital falling |
| 2023-06 | 0 |  | uninsured deposits >50%, reserve under noncurrent |
| 2023-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 3 | uninsured deposits >50% |  |
| 2024-03 | 3 | capital falling | noncurrent p90 |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | capital falling, noncurrent p90 |  |
| 2025-03 | 2 |  | capital falling, noncurrent p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | brokered >10%, deposits shrinking |  |
| 2026-03 | 4 | uninsured deposits leaving | uninsured deposits >50% |
| 2026-06 | 4 | assets shrinking | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-17 [Native American Bank Approved for AIDEA Loan Participation Program - Alaska Business Magazine](https://news.google.com/rss/articles/CBMitgFBVV95cUxOTXJFVzY2N1BUMWhZallkNHg2QU5FSDA4RDhTTlFPbWRFQ25LdHJhdUpSQVh4a1M0NDREeUV4cl9USkN3WERhNGw1Ty1ocnZaNk96WGU4cVEzbTRRenBfSUEybE1oUURnNlRBRkZjelVTTHBIT3BHU2tEYXRZUGREYW9hQ1luOE1FdjFDYjdBenFOdi1KQnQ4QzBGMGN0blJ1NlI4MXoyWjN5Qmt3VkxmbzlLbkZTdw?oc=5) · Alaska Business Magazine
- 2026-03-22 [Native American Bank approved for Alaska development finance program - Tribal Business News](https://news.google.com/rss/articles/CBMivwFBVV95cUxPRlhvY2dYQjhZSUlEd0RTVEE2SFdjRWpSdXdDeWpFTjRvSEZyaVJMWHI3VV9LaWpNeWY4a2toUm01LVkyMWpYdFhNV1VOLVJKMTRYeXZjeHZPOS1PV3VYc0FveUN2blZOLXVrbXhOQ0RUaXhfMXpKSnVXN2F5RTVGdlNMWk1RT19uLTRldENVcWF0OF9lNGFmM3A5ZWItb1hYeEZob2IydXljdHZERlhpb2RUTXl0YTNFaGVkUVlzOA?oc=5) · Tribal Business News
- 2020-04-24 [Native American Bank (Colorado) - indianz.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFBkNS12ekVKN21RaS03NmJieFQ5XzRPY0NoQVRRMVhCUDE0U0YtTzUwd0JJTzVqdFZTU0dBZV9lSlZWMEtQYW1VVVZMWGxLSHdfUkJfWEdzbThFU29ObGxRSGtZWG95djRSQjFWNE5uc0JaZ1M1dTU1QtIBfkFVX3lxTE9GMjYtcXFZOHAzSmVsWjhwd1cyS242aV9pWXFOOURyeTcxN0Q4Z0s4T3FwTDR0WmMxUHViRVAzSWlucm1xQzZzRUh3SXZCdG9idFF2aFFybG5pT2NBVUdXaHRza2ZTajIzY3p4azZmUUlzcTB0TnpBbUcxS1Nhdw?oc=5) · indianz.com
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2013-02-01 [Thomas Ogaard named President and CEO of Native American Bank - PR Newswire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPVkhTLU53UWQ4VE9LV1dZZnMzY3RoZkRwbnM1OWtCanEyQ2JWMFp5REY2dVpjUWhyU3AyWmJyR1lUTERUUk5BemFZOHEzWjVOakl3SWVPUWp2a19WTk1Mckp0cVAzTGhOVl9kRzN5OHdMMTBaa2tCVloySHVtdFJFWHotbTV3RWFvdnNaWGgwRzhpcFZaZTZYcUswdDE3cWJTZkJvWi1oNjRVeTVjZFJRLXQwbUhGMkV1?oc=5) · PR Newswire
- 2025-07-17 [People on the Move in Indian Country - Tribal Business News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdWFhQmpSMFJranE1SFpmbG12bVdTWVV0ZmxTM21KdXR4bGY0ZVhBVHhRd09SdWlZQ2VwLXhjUVNETEhkYzBmWDhNQ0lzUWlFX1NBeS0yRXl6TjdtdlYzeFRJY3NfZkh0SEhWNUc4cTFxdVRjUnBjeWZZS1NJcXBlSnJlOFBFazlvaG1aWGpXRlVQUmt4YVQ3cTB5b3ViUUJDejA4NzVjQUJrZw?oc=5) · Tribal Business News
- 2011-10-17 [Eloise Cobell dies at 65 - Osage News](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1ESTFFSk9leXItdl9QaFFiU0p5VHR3N3drMHRzamhaLVZxdFBLRGhMTDlOcjFtRURPODlmM051X1d4bzUtSUhaWXRlR3YyeXg5aTFFbTJuRDROVFXSAVtBVV95cUxNREkxRUpPZXlyLXZfUGhRYlNKeVR0dzd3azB0c2poWi1WcXRQS0RoTEw5TnIxbUVETzg5ZjNOdV9XeG81LUlIWll0ZUd2Mnl4OWkxRW0ybkQ0TlRV?oc=5) · Osage News
- 2025-09-05 [The Pipeline: Commercial real estate deals for 9.5.25 - BusinessDen](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMHdKdVZiRE50NVNXc0R5anJ3MGN2ZlRUZi1VQm9kWkFyamFwQlBHaVJPWnZBZ1B1OUNCTkhSNXVoUndjN0w5RllLcGxuOW1USjRQOWRUUmlWSVRmNGlvVW5VcWwteHJpdWo2MUNWQWNEMVN6VlFRSHZxS1Z3ZW5IWWFfUQ?oc=5) · BusinessDen

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27026 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "27026", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide