Transact Bank, National Association (FDIC certificate #13986) is based in Denver, Colorado. Its Q2 2026 call report shows $6.5M in total assets and $5.1M in deposits and 1 office.
Transact Bank, National Association has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 63 banks headquartered in Colorado, it ranks 8th. Capital cushion contributes the most (100/100, 16.27%); earnings contributes the least (33/100, 0.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (79 → 86), mostly because the earnings component improved by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 54 |
| Q4 2024 | 78 |
| Q1 2025 | 79 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 89 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.43% |
| Q3 2024 | 7.45% |
| Q4 2024 | 17.28% |
| Q1 2025 | 16.82% |
| Q2 2025 | 15.78% |
| Q3 2025 | 15.48% |
| Q4 2025 | 16.01% |
| Q1 2026 | 16.13% |
| Q2 2026 | 16.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -20.79% |
| Q3 2024 | -21.19% |
| Q4 2024 | -10.54% |
| Q1 2025 | -1.77% |
| Q2 2025 | -2.14% |
| Q3 2025 | -1.56% |
| Q4 2025 | -0.77% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $6.5M | 16.27% | 0.00% | 0.33% | 43.9% |
| Q1 2026 | 89 | $6.9M | 16.13% | 0.00% | 0.83% | 41.6% |
| Q4 2025 | 79 | $6.6M | 16.01% | 0.00% | -0.77% | 44.6% |
| Q3 2025 | 79 | $7.3M | 15.48% | 0.00% | -1.56% | 40.2% |
| Q2 2025 | 79 | $6.3M | 15.78% | 0.00% | -2.14% | 50.1% |
| Q1 2025 | 79 | $6.6M | 16.82% | 0.00% | -1.77% | 49.0% |
| Q4 2024 | 78 | $6.5M | 17.28% | 0.00% | -10.54% | 46.5% |
| Q3 2024 | 54 | $6.5M | 7.45% | 0.00% | -21.19% | 50.9% |
| Q2 2024 | 61 | $6.8M | 10.43% | 0.00% | -20.79% | 49.4% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Young Americans BankBank Denver, CO | 46 out of 100, Below average | $15.5M | 11.9% | 10.53% | vs |
| The First National Bank of FlemingBank Fleming, CO | 69 out of 100, Moderate | $30.7M | 13.3% | 1.12% | vs |
| Champion BankBank Parker, CO | 71 out of 100, Strong | $41.7M | 39.3% | 1.01% | vs |
| Century Savings and Loan AssociationBank Trinidad, CO | 78 out of 100, Strong | $75.3M | 16.4% | 0.50% | vs |
| McClave State BankBank Mcclave, CO | 89 out of 100, Very strong | $78.9M | 14.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Transact Bank, National Association?
Yes. Transact Bank, National Association is an FDIC-insured institution (FDIC certificate #13986). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($860K) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.68% (benchmark: 10%).
1 location
Branches
Transact Bank, National Association lists 1 office in 1 city. Most locations:
- Denver, CO (1)
Identity & history
Profile
- Legal name
- Transact Bank, National Association
- Former names
- Colorado National Bank; The Palisades National Bank
- Type
- National bank
- FDIC certificate #
- 13986
- RSSD ID
- 403254
- Primary regulator
- OCC
- Established
- December 11, 1905
- Headquarters
- 700 17th St, Denver, CO 80202
- Website
- www.transactbank.com
- Employees
- 7
Quick answers
Transact Bank, National Association: common questions
Is Transact Bank, National Association FDIC insured?
Yes. Transact Bank, National Association is an FDIC-insured institution (FDIC certificate #13986). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Transact Bank, National Association's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Transact Bank, National Association ever failed?
There is no failure record for FDIC certificate #13986 in the FDIC failed bank list.
How many branches does Transact Bank, National Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Denver
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| AMG National Trust BankBank Boulder, CO | 94 out of 100, Very strong | $722.9M | 15.4% | 0.04% | vs |
| Star Tech Federal Credit UnionCredit union Greenwood Villa, CO | 91 out of 100, Very strong | $11.1M | 22.2% | 0.38% | vs |
| Denver Fire Department Federal Credit UnionCredit union Denver, CO | 89 out of 100, Very strong | $213.5M | 14.2% | 0.09% | vs |
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| Affidian Federal Credit UnionCredit union Denver, CO | 85 out of 100, Very strong | $360.1M | 18.9% | 0.85% | vs |
| First National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |