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 | |