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Native American Bank, National Association

Overview / Commentary
303-988-2727
999 18th Street
Denver, CO 80202

Native American Bank, National Association is headquartered in Denver and is the 90th largest bank in the state of Colorado. It is also the 5,755th largest bank in the nation. It was established in 1987 and as of December of 2013, it had grown to 24 employees at 2 locations. Native American Bank, National Association has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Native American Bank, National Association has a relatively low asset base.

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Native American Bank, National Association had $843,000 in non-current loans and owned real-estate with $7.88 million in equity and loan loss allowances on hand to cover it. This gives Native American Bank, National Association a Texas Ratio of 10.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Native American Bank, National Association decreased dramatically from (infinite) as of December 31, 2012 to 10.70% as of December 31, 2013, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Native American Bank, National Association has improved dramatically in recent periods.

Deposit Growth

GRADE:
C

In the past year, Native American Bank, National Association has decreased its total deposits by $-929,000, resulting in -1.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Native American Bank, National Association has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Native American Bank, National Association has $59.78 million in assets with $7.88 million in equity, resulting in a capitalization level of 13.17%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #27026
Year Established1987
Employees24
Primary RegulatorOCC
Assets and Liabilities
Assets$59.78 million
Loans$48.83 million
Deposits$52.87 million
Equity Capital$6.69 million
Loan Loss Allowance$1.19 million
Unbacked Noncurrent Loans$843,000
Real Estate Owned$0
Historic Data - December 2012
Assets$61.64 million
Equity Capital$7.48 million
Loan Loss Allowance$1.12 million
Unbacked Noncurrent Loans$843,000
Real Estate Owned$63,000
Profit Margin - Quarterly
Net Interest Margin4.37%
Return on Assets-1.21%
Return on Equity-10.22%
Interest Income$2.63 million
Rates

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Native American Bank, National Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$10k-Premium Saving Account
0.10%$25k-Business Premium Saving Account
0.05%$100-Saving Account

Native American Bank, National Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$500k-Money Market Account

Native American Bank, National Association Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$1,500-Interest Checking Account

Native American Bank, National Association CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$100k-60 Month CD
0.70%$100k-48 Month CD
0.60%$100k-36 Month CD
0.45%$100k-24 Month CD
0.40%$100k-18 Month CD
0.35%$100k-12 Month CD
0.30%$100k-9 Month CD
0.25%$100k-6 Month CD
0.20%$100k-3 Month CD
0.15%$100k-1 Month CD
0.15%$100k-2 Month CD

Native American Bank, National Association IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$100k-5 Year IRA
0.35%$100k-1 Year IRA
Locations


Native American Bank, National Association Locations
Main Office Branch125 North Public SquareBrowning, MT 59417
Native American Bank, National Association999 18th StreetDenver, CO 80202