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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.50% | 1.68% | 1.55% | 1.66% | 1.63% | +13 bps | |
| Return on Equity | 13.55% | 15.29% | 14.12% | 14.78% | 14.34% | +79 bps | |
| Net Interest Margin | 3.65% | 3.79% | 3.88% | 3.87% | 3.93% | +29 bps | |
| Efficiency Ratio | 51.56% | 47.70% | 50.92% | 49.96% | 49.30% | -226 bps | |
| Non-Interest Burden | 1.59% | 1.50% | 1.71% | 1.65% | 1.65% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.76% | -5.64% | 2.04% | 3.97% | 4.06% | +782 bps | |
| Loan Growth (YoY) | 8.22% | 5.81% | 9.87% | 7.79% | 8.92% | +70 bps | |
| Deposit Growth (YoY) | -3.04% | 2.14% | 1.51% | 3.64% | 2.76% | +580 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.42% | 0.39% | 0.43% | 0.47% | +9 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.02% | 0.03% | 0.03% | 0.01% | +1 bps | |
| Allowance / Loans | 0.77% | 0.77% | 0.79% | 0.76% | 0.79% | +2 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.9x | 2.0x | 1.8x | 1.7x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.95% | 11.70% | 11.27% | 11.90% | 11.95% | -1 bps | |
| Total Risk-Based Capital | 20.09% | 20.28% | 19.05% | 19.25% | 19.25% | -84 bps | |
| Equity / Assets | 11.17% | 10.83% | 11.16% | 11.34% | 11.42% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.44% | 68.14% | 72.78% | 75.87% | 76.79% | +434 bps | |
| Liquid Assets / Assets | 6.42% | 9.60% | 4.59% | 5.33% | 6.04% | -38 bps | |
| CRE / Total Capital | n/a | 315% | 338% | 339% | n/a | n/a | |