Native American Bank, National Association

Headquarters: Denver, Colorado
Charter: Bank
Assets: $362.0M
Fed district: Kansas City
Regulator: OCC
Holding company: Native American Bancorp Co the

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 17, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 17, 2026

How these figures are measured

Call-report figures are for Native American Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Native American Bank, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Native American Bank, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $35K in Q2 2026, 2.9% above the same quarter a year earlier ($34K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Personal Interest Checking
Can be waived with a balance of $300 or more.
Native American Bank, National Association: $8
Native American Bank, National Association: $8
U.S. median: no median
Overdraft (OD)
Native American Bank, National Association: $30
Native American Bank, National Association: $30
U.S. median: no median
Non-Network ATM
Native American Bank, National Association: $2.50
Native American Bank, National Association: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $35K.

Service-charge income, Q2 2026

$35K

$35KQ3 2025

$34KQ4 2025

$34KQ1 2026

$35KQ2 2026

Against the median

Native American Bank, National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Native American Bank, National Association · $362M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$352M to $372M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Native American Bank, National Association(this institution)	Denver, CO	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
AmeriFirst Bank	Montgomery, AL	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Commercial Bank & Trust Company	Monticello, AR	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank	Lexington, TN	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desjardins Bank, National Association	Hallandale, FL	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers & Merchants Bank	Miamisburg, OH	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank in Port Lavaca	Port Lavaca, TX	$361M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Nebraska Bank	Valley, NE	$371M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Shore Federal Savings and Loan Association	Salisbury, MD	$367M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First State Bank	Stratford, TX	$372M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
FlatIrons Bank	Boulder, CO	$370M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Glenwood State Bank	Glenwood, IA	$353M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Southern Bank	Meridian, MS	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Harvest Bank	Kimball, MN	$355M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank National Association	Spicer, MN	$361M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Iowa State Bank and Trust Company of Fairfield, Iowa	Fairfield, IA	$352M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ireland Bank	Malad City, ID	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Logan Bank & Trust Company	Logan, WV	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
OSB Community Bank	Ottawa, IL	$356M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pioneer Bank	Stanley, VA	$372M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Premier Bank	Dubuque, IA	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
ProGrowth Bank	Nicollet, MN	$365M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rabun County Bank	Clayton, GA	$362M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Street Bank and Trust Company	Quincy, IL	$357M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Gordon	Gordon, NE	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Mount Dora	Mount Dora, FL	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.95 (11%) below the median of similar-sized banks.

Its published price is $8, against a peer median of $8.95 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Native American Bank, Nat…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Native American Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $35K
vs prior quarter: +$1K+2.9%; from Q1 2026
vs a year earlier: +$1K+2.9%; from Q2 2025
vs start of range: +$3K+9.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Native American Bank, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$35K	+$1K	+2.9%
Q1 2026	$34K	$0	0.0%
Q4 2025	$34K	−$1K	−2.9%
Q3 2025	$35K	+$1K	+2.9%
Q2 2025	$34K	−$3K	−8.1%
Q1 2025	$37K	+$2K	+5.7%
Q4 2024	$35K	+$3K	+9.4%
Q3 2024	$32K	+$1K	+3.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Native American Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Personal Interest Checking Monthly service fee$8
per month
Dormancy: First Occurance$10
Dormancy: Second Occurance$15
Per month after 12 months of inactivity$5
per month
Account Reconciliation$30
Paper Statement Fee$3

Overdraft & NSF

Overdraft/Non-Sufficient Funds: Item Paid$30
Overdraft Protection Transfer$7

ATM & Card

Foreign ATM Access$2.50
Replacement Card$10

Wire Transfers

Wire Transfer: Outgoing$18
Wire Transfer: Incoming$10

Check Services

Cashier's Check$5
Money Order$3
Stop Payment$25
Counter Checks (3)$3
Check Cashing (audience not stated, treated as personal)5%
Check/Item Copy$2
per item

Account Services

Garnishment or Levy$30

Other Fees

Statement Copy$4

Fee	Amount	Basis	Note
Account Maintenance
Personal Interest Checking Monthly service fee	$8	per month	None
Dormancy: First Occurance	$10	Not stated	None
Dormancy: Second Occurance	$15	Not stated	None
Per month after 12 months of inactivity	$5	per month	None
Account Reconciliation	$30	Not stated	None
Paper Statement Fee	$3	Not stated	None
Overdraft & NSF
Overdraft/Non-Sufficient Funds: Item Paid	$30	Not stated	None
Overdraft Protection Transfer	$7	Not stated	None
ATM & Card
Foreign ATM Access	$2.50	Not stated	None
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$18	Not stated	None
Wire Transfer: Incoming	$10	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$3	Not stated	None
Stop Payment	$25	Not stated	None
Counter Checks (3)	$3	Not stated	None
Check Cashing (audience not stated, treated as personal)	5%	Not stated	None
Check/Item Copy	$2	per item	None
Account Services
Garnishment or Levy	$30	Not stated	None
Other Fees
Statement Copy	$4	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Native American Bank, National Association operates, and what regulators and customers have on file.

Enforcement actions

2 past actions

Past

Capital DirectiveMarch 12, 2010
OCC. Ended May 18, 2016
Formal AgreementAugust 18, 2008
OCC. Ended May 18, 2016

Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Native American Bank, National Association's ach origination changes in our data

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