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 | |