At a glance
From its website, read 29 Oct 2026Native American Bank, N.A. is a bank or thrift based in Denver, Colorado. Its website describes commercial real estate loans, energy-efficiency loans, equipment loans and 3 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.nativeamericanbank.com |
|---|---|
| Office (official list) | 201 N Broadway, Denver, CO 80203 |
What their website says about applying
contact us to learn more about our personal loan products.
sourceIf you are interested in discussing a financing need, contact us and our commercial lending team will follow up with you directly.
sourceplease contact us and a member of our CDD team will reach out to you directly.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Collateral required
Our secured personal loans are backed by collateral, such as:
source - Collateral flexible or not always required
provide access to funds without requiring collateral
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | 664653 |
| Address | 201 N Broadway, Denver, CO 80203 Directions (Google Maps) |
| Website | www.nativeamericanbank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 29 Oct 2026Read from 5 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: medium. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Working Capital Loans Acquisition and Construction Loans | source |
| Energy / solar / efficiency loans | — | Renewable and Sustainable Energy Loan | source |
| Equipment loans | — | Equipment Loans | source |
| Personal / consumer loans | — | We offer personal loans to help you achieve your financial goals, whether consolidating debt | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Indian Loan Guarantee Programs SBA Loan Guarantee Programs | source |
| Small-business loans | — | We offer loans that help you manage and operate your organization | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Native American / Alaska Native / Native Hawaiian
Native American Bank is dedicated to providing financial solutions that promote economic independence, development and sovereignty for Native American, Alaska Native, and allied communities.
source - Nonprofits
Loans For Businesses and Non-Profits
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (5)
- https://www.nativeamericanbank.com/
- https://www.nativeamericanbank.com/impact-banking/new-markets-tax-credit/
- https://www.nativeamericanbank.com/personal-banking/personal-loans/
- https://www.nativeamericanbank.com/business-banking/business-loans/
- https://www.nativeamericanbank.com/personal-banking/personal-credit-cards/
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your energy-efficiency loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$10.7 million in 18 awards from the U.S. Treasury's CDFI Fund, 1999–2023 (6 programs).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $137,400 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2010 | Native American CDFI Assistance (NACA), Financial Assistance | $500,000 |
| 2005 | CDFI Program, Technical Assistance | $55,000 |
| 2004 | Bank Enterprise Award Program | $703,415 |
| 2002 | Native American CDFI Assistance (NACA), Technical Assistance | $70,000 |
| 2001 | Bank Enterprise Award Program | $132,000 |
| 2000 | Bank Enterprise Award Program | $99,212 |
| 1999 | Bank Enterprise Award Program | $66,000 |
New Markets Tax Credit allocations
$125 million in 2 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $75,000,000 |
| 2022 | New Markets Tax Credit allocation | $50,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Native American Bank, National Association (FDIC cert 27026). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $362 million (as of 30 Jun 2026) |
|---|---|
| Offices | 3 in 3 states (as of 30 Oct 2026) |
Offices by state and county (3)
Colorado (1 office)
- Denver County (1): 201 N Broadway, Denver 80203 (main office)
Montana (1 office)
- Glacier County (1): 125 N Public Sq, Browning 59417
Washington (1 office)
- Snohomish County (1): 8815 34th Ave Ne, Quil Ceda Village 98271
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Native American Bank, National Association (RSSD 664653, FDIC cert 27026). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $210 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 7.0% from $196.2 million on 30 Jun 2025 |
| Total assets | $362 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Commercial real estate, construction and multifamily | $50 million | 23.8% |
| Commercial and industrial (business) loans | $51.6 million | 24.5% |
| Consumer loans (credit cards, auto, other) | $100,000 | <0.1% |
| All other loans and leases | $108.9 million | 51.7% |
None reported on the 30 Jun 2026 report: home mortgages (1-4 family, closed-end); home equity lines of credit; farmland and farm production loans.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | none reported | 21 loans $645,000 |
| $100,001 to $250,000 | none reported | 15 loans $1.7 million |
| $250,001 to $1 million | 4 loans $1.4 million | 21 loans $6.3 million |
| All small business loans | 4 loans $1.4 million | 57 loans $8.6 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 4 → 1 | Rank among the 3 certified CDFIs in Colorado with SBA approvals in either period: 3 → 3. |
| Total assets (Call Report, 30 Jun 2026) | $362 million | Larger than 48% of the 321 other certified banks and bank holding companies nationwide (median $383.2 million). |
| Loans as a share of assets | 58% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $196.2 million → $210 million (+7%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 180 → 180. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Colorado with SBA approvals FY2023–2026 | 2 | rank 3 → 3 of 3 |
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 48% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 180 → 180 of 322 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 10 SBA-backed approvals for Native American Bank, N.A. in fiscal years 2020–2026 (October 2019 to September 2026):
- 8 7(a) loans as the lender: $8.6M in total (gross amount approved), median $641,500
- 2 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 1 · FY2021 1 · FY2022 3 · FY2023 3 · FY2024 1 · FY2025 1 · FY2026 0.
By program
- 7(a) standard (8, 80%)
- 504 projects (as the third-party lender) (2, 20%)
How this lender was matched in the SBA files: FDIC cert 27026, found through the RSSD ID on the CDFI Fund list (SBA lists “Native American Bank, National Association”); 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “Native American Bank, National Association”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Native American Bank, N.A. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Denver and Colorado
- B:Side FundLoan fund · Denver, COCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Colorado Enterprise Fund, Inc.Loan fund · Denver, COChild-care facility financing, Microloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loansVerified
- Mercy Community CapitalLoan fund · Denver, COAffordable housing development loansVerified
- Native American Bancorporation, Co.Bank holding company · Denver, CO · Native CDFIOfficial list only
- Rocky Mountain MicroFinance InstituteLoan fund · Denver, COMicroloans, Small-business loansVerified
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