Anchorage, AK · Cert 16130
National charter · OCC · 27 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
53
Profitability
76
Liquidity
57
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Anchorage, AK · Cert 16130
National charter · OCC · 27 branches
Q2 2026
Market Position · Anchorage, AK · 2026 SOD (annual) · 21.4% share · #2 of 4 inst. · $2.1B of $9.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.26% | 1.43% | 1.46% | 1.53% | 1.54% | 1.66% | 1.65% | +18 bps | |
| Return on Equity | 12.90% | 13.60% | 13.49% | 13.53% | 14.13% | 14.16% | 14.78% | 14.56% | +103 bps | |
| Net Interest Margin | 2.91% | 3.03% | 3.53% | 3.61% | 3.58% | 3.58% | 3.87% | 3.88% | +28 bps | |
| Efficiency Ratio | 53.73% | 53.63% | 49.85% | 50.72% | 49.66% | 50.00% | 49.96% | 49.63% | -109 bps | |
| Non-Interest Burden | 1.33% | 1.39% | 1.49% | 1.54% | 1.49% | 1.52% | 1.65% | 1.65% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.05% | -12.79% | -6.19% | -3.76% | -5.64% | 2.04% | 3.97% | 4.06% | +782 bps | |
| Loan Growth (YoY) | 5.43% | 8.53% | 9.83% | 8.22% | 5.81% | 9.87% | 7.79% | 8.92% | +70 bps | |
| Deposit Growth (YoY) | -4.68% | -2.67% | -2.32% | -3.04% | 2.14% | 1.51% | 3.64% | 2.76% | +580 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.17% | 0.16% | 0.38% | 0.42% | 0.39% | 0.43% | 0.47% | +9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.03% | 0.01% | 0.02% | 0.02% | 0.03% | 0.02% | 0 bps | |
| Allowance / Loans | 0.76% | 0.73% | 0.75% | 0.77% | 0.77% | 0.79% | 0.76% | 0.79% | +2 bps | |
| Allowance Coverage of NPLs | 4.4x | 4.2x | 4.6x | 2.0x | 1.9x | 2.0x | 1.8x | 1.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.39% | 10.54% | 11.72% | 11.95% | 11.70% | 11.27% | 11.90% | 11.95% | -1 bps | |
| Total Risk-Based Capital | 20.61% | 20.12% | 20.07% | 20.09% | 20.28% | 19.05% | 19.25% | 19.25% | -84 bps | |
| Equity / Assets | 9.50% | 10.34% | 10.94% | 11.17% | 10.83% | 11.16% | 11.34% | 11.42% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.78% | 67.24% | 72.95% | 72.44% | 68.14% | 72.78% | 75.87% | 76.79% | +434 bps | |
| Liquid Assets / Assets | 6.12% | 8.43% | 5.34% | 6.42% | 9.60% | 4.59% | 5.33% | 6.04% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 315% | 338% | 339% | n/a | n/a | |
Anchorage, AK · Cert 16130 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
National charter · OCC · 27 branches
Q2 2026
Return on Assets
1.64%
Rank 45 of 258
Net Interest Margin
3.88%
Rank 65 of 258
Efficiency Ratio
49.63%
Rank 48 of 257
Equity / Assets
11.42%
Rank 79 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.93% | 1.23% | 1.54% | Beats 83% | 45 / 258 | ||
| Return on Equity | 14.35% | 9.26% | 11.84% | 14.74% | Beats 71% | 74 / 258 | ||
| Net Interest Margin | 3.88% | 3.16% | 3.49% | 3.88% | Beats 75% | 65 / 258 | ||
| Efficiency Ratio | 49.63% | 51.71% | 60.30% | 69.65% | Beats 82% | 48 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.19% | 0.46% | 0.90% | Beats 48% | 135 / 258 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 57% | 113 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.52% | 11.41% | 12.98% | 15.12% | Beats 90% | 27 / 258 | ||
| Total Risk-Based Capital Ratio | 19.25% | 12.10% | 13.91% | 16.08% | Beats 90% | 26 / 258 | ||
| Equity / Assets | 11.42% | 9.09% | 10.24% | 11.72% | Beats 69% | 79 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.79% | 73.24% | 86.34% | 95.95% | 32nd pctl | 176 / 258 | ||
| Loans / Assets | 55.23% | 63.01% | 72.27% | 78.40% | 12th pctl | 228 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||