Fairbanks, AK · Cert 19525
SI · FDIC · 5 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 under $1B in assets operating in a single state (n=743 to 746). 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
34
Profitability
23
Liquidity
29
Efficiency
20
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.
Fairbanks, AK · Cert 19525
SI · FDIC · 5 branches
Q2 2026
Market Position · Fairbanks-College, AK · 2026 SOD (annual) · 23.7% share · #1 of 6 inst. · $0.5B of $2.1B
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 | 0.74% | 0.74% | 0.64% | 0.76% | 0.80% | 0.84% | 0.62% | 0.69% | -7 bps | |
| Return on Equity | 5.23% | 5.19% | 4.30% | 5.04% | 5.22% | 5.44% | 3.83% | 4.25% | -79 bps | |
| Net Interest Margin | 2.82% | 2.93% | 3.10% | 3.25% | 3.25% | 3.32% | 3.29% | 3.31% | +7 bps | |
| Efficiency Ratio | 71.64% | 72.82% | 80.16% | 76.84% | 75.72% | 74.49% | 80.11% | 78.44% | +160 bps | |
| Non-Interest Burden | 1.76% | 1.91% | 2.39% | 2.38% | 2.34% | 2.34% | 2.55% | 2.49% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | -2.97% | -4.04% | -1.85% | -0.28% | 1.97% | 3.07% | 1.56% | +342 bps | |
| Loan Growth (YoY) | 6.98% | 9.14% | 5.86% | 8.30% | 11.48% | 9.68% | 12.97% | 8.13% | -17 bps | |
| Deposit Growth (YoY) | -1.20% | -3.07% | -4.96% | -3.00% | -0.15% | 0.02% | 1.84% | 0.88% | +388 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.58% | 1.47% | 1.22% | 0.97% | 0.97% | 0.91% | 0.51% | 1.18% | +21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.17% | 0.00% | 0.04% | 0.03% | 0.02% | 0.06% | 0.03% | -2 bps | |
| Allowance / Loans | 2.03% | 1.85% | 1.88% | 1.69% | 1.65% | 1.65% | 1.63% | 1.57% | -12 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.5x | 1.7x | 1.7x | 1.8x | 3.2x | 1.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.12% | 17.51% | 17.92% | 18.31% | 18.25% | 18.40% | 18.64% | 18.85% | +54 bps | |
| Total Risk-Based Capital | 17.12% | 17.51% | 17.92% | 18.31% | 18.25% | 18.40% | 18.64% | 18.85% | +54 bps | |
| Equity / Assets | 14.90% | 14.57% | 15.38% | 15.25% | 15.73% | 16.11% | 16.33% | 16.54% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.48% | 47.56% | 48.44% | 51.92% | 51.90% | 52.15% | 53.73% | 55.65% | +373 bps | |
| Liquid Assets / Assets | 23.40% | 22.56% | 21.01% | 19.12% | 20.13% | 20.65% | 19.19% | 19.02% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 132.32% | 136.78% | 140.41% | n/a | n/a | |
Fairbanks, AK · Cert 19525 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 5 branches
Q2 2026
Return on Assets
0.69%
Rank 572 of 746
Net Interest Margin
3.31%
Rank 520 of 746
Efficiency Ratio
78.44%
Rank 596 of 746
Equity / Assets
16.54%
Rank 68 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.72% | 1.06% | 1.45% | Beats 23% | 572 / 746 | ||
| Return on Equity | 4.19% | 6.74% | 10.51% | 13.63% | Beats 15% | 634 / 746 | ||
| Net Interest Margin | 3.31% | 3.17% | 3.68% | 4.16% | Beats 30% | 520 / 746 | ||
| Efficiency Ratio | 78.44% | 55.74% | 64.58% | 75.47% | Beats 20% | 596 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.09% | 0.42% | 1.07% | Beats 23% | 576 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 417 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.85% | 11.55% | 13.75% | 17.60% | Beats 80% | 150 / 746 | ||
| Total Risk-Based Capital Ratio | 18.85% | 11.71% | 14.33% | 18.43% | Beats 77% | 171 / 746 | ||
| Equity / Assets | 16.54% | 8.90% | 10.51% | 13.06% | Beats 91% | 68 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.65% | 61.31% | 78.27% | 90.78% | 18th pctl | 610 / 746 | ||
| Loans / Assets | 45.88% | 53.60% | 66.97% | 76.08% | 15th pctl | 634 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||