diff --git a/sdk/src/native_loader.rs b/sdk/src/native_loader.rs
index 0c090c1b81..480180af15 100644
--- a/sdk/src/native_loader.rs
+++ b/sdk/src/native_loader.rs
@@ -1,3 +1,4 @@
+use crate::account::Account;
 use crate::pubkey::Pubkey;
 
 pub const NATIVE_LOADER_PROGRAM_ID: [u8; 32] = [
@@ -11,3 +12,14 @@ pub fn id() -> Pubkey {
 pub fn check_id(program_id: &Pubkey) -> bool {
     program_id.as_ref() == NATIVE_LOADER_PROGRAM_ID
 }
+
+/// Create an executable account owned by the given program_id and shared object name.
+pub fn create_program_account(program_id: Pubkey, name: &str) -> Account {
+    Account {
+        tokens: 1,
+        owner: program_id,
+        userdata: name.as_bytes().to_vec(),
+        executable: true,
+        loader: id(),
+    }
+}
diff --git a/src/bank.rs b/src/bank.rs
index 042e61a4cd..4209d71c42 100644
--- a/src/bank.rs
+++ b/src/bank.rs
@@ -220,80 +220,37 @@ impl Bank {
     }
 
     fn add_builtin_programs(&self) {
-        let system_program_account = Account {
-            tokens: 1,
-            owner: system_program::id(),
-            userdata: b"solana_system_program".to_vec(),
-            executable: true,
-            loader: native_loader::id(),
-        };
+        let system_program_account =
+            native_loader::create_program_account(system_program::id(), "solana_system_program");
         self.accounts
             .store_slow(true, &system_program::id(), &system_program_account);
 
-        // Vote program
-        let vote_program_account = Account {
-            tokens: 1,
-            owner: vote_program::id(),
-            userdata: b"solana_vote_program".to_vec(),
-            executable: true,
-            loader: native_loader::id(),
-        };
+        let vote_program_account =
+            native_loader::create_program_account(vote_program::id(), "solana_vote_program");
         self.accounts
             .store_slow(true, &vote_program::id(), &vote_program_account);
 
-        // Storage program
-        let storage_program_account = Account {
-            tokens: 1,
-            owner: storage_program::id(),
-            userdata: b"solana_storage_program".to_vec(),
-            executable: true,
-            loader: native_loader::id(),
-        };
+        let storage_program_account =
+            native_loader::create_program_account(storage_program::id(), "solana_storage_program");
         self.accounts
             .store_slow(true, &storage_program::id(), &storage_program_account);
 
-        let storage_system_account = Account {
-            tokens: 1,
-            owner: storage_program::system_id(),
-            userdata: vec![0; 16 * 1024],
-            executable: false,
-            loader: Pubkey::default(),
-        };
+        let storage_system_account = Account::new(1, 16 * 1024, storage_program::system_id());
         self.accounts
             .store_slow(true, &storage_program::system_id(), &storage_system_account);
 
-        // Bpf Loader
-        let bpf_loader_account = Account {
-            tokens: 1,
-            owner: bpf_loader::id(),
-            userdata: b"solana_bpf_loader".to_vec(),
-            executable: true,
-            loader: native_loader::id(),
-        };
-
+        let bpf_loader_account =
+            native_loader::create_program_account(bpf_loader::id(), "solana_bpf_loader");
         self.accounts
             .store_slow(true, &bpf_loader::id(), &bpf_loader_account);
 
-        // Budget program
-        let budget_program_account = Account {
-            tokens: 1,
-            owner: budget_program::id(),
-            userdata: b"solana_budget_program".to_vec(),
-            executable: true,
-            loader: native_loader::id(),
-        };
+        let budget_program_account =
+            native_loader::create_program_account(budget_program::id(), "solana_budget_program");
         self.accounts
             .store_slow(true, &budget_program::id(), &budget_program_account);
 
-        // Erc20 token program
-        let erc20_account = Account {
-            tokens: 1,
-            owner: token_program::id(),
-            userdata: b"solana_erc20".to_vec(),
-            executable: true,
-            loader: native_loader::id(),
-        };
-
+        let erc20_account =
+            native_loader::create_program_account(token_program::id(), "solana_erc20");
         self.accounts
             .store_slow(true, &token_program::id(), &erc20_account);
     }