Fairbanks, AK · Cert 26530 · Denali Bcorp Inc.
State charter, non-member · 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
59
Asset Quality
12
Profitability
82
Liquidity
82
Efficiency
61
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 26530 · Denali Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Fairbanks-College, AK · 2026 SOD (annual) · 20.6% share · #3 of 6 inst. · $0.4B 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 | 1.50% | 1.47% | 1.54% | 1.65% | 1.68% | 1.64% | 1.37% | 1.47% | -17 bps | |
| Return on Equity | 13.88% | 13.65% | 14.19% | 15.02% | 15.03% | 14.94% | 13.36% | 14.08% | -93 bps | |
| Net Interest Margin | 4.86% | 4.99% | 5.01% | 4.94% | 4.95% | 5.08% | 4.91% | 4.97% | +3 bps | |
| Efficiency Ratio | 56.20% | 55.75% | 56.94% | 53.52% | 53.58% | 55.93% | 61.93% | 60.48% | +695 bps | |
| Non-Interest Burden | 2.50% | 2.54% | 2.65% | 2.39% | 2.39% | 2.58% | 2.84% | 2.80% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.32% | 4.77% | 5.93% | 6.72% | 6.50% | 0.34% | -0.96% | -2.32% | -903 bps | |
| Loan Growth (YoY) | 0.19% | 4.51% | 8.04% | 5.59% | 4.89% | 2.92% | 0.34% | 1.64% | -395 bps | |
| Deposit Growth (YoY) | 3.64% | 8.74% | 7.29% | 6.18% | 7.24% | 0.31% | 0.58% | -0.99% | -716 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.55% | 0.48% | 1.63% | 2.23% | 2.08% | 2.15% | 2.02% | +39 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.44% | 0.10% | 0.07% | 0.29% | 0.27% | 0.20% | 0.17% | +11 bps | |
| Allowance / Loans | 2.07% | 2.01% | 2.07% | 2.20% | 2.11% | 2.11% | 2.17% | 2.19% | -1 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.7x | 4.4x | 1.4x | 0.9x | 1.0x | 1.0x | 1.1x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.18% | 12.03% | 12.20% | 12.29% | 12.55% | 10.67% | 11.38% | 11.65% | -64 bps | |
| Total Risk-Based Capital | 17.39% | 17.10% | 17.30% | 17.86% | 18.20% | 15.31% | 16.05% | 16.03% | -183 bps | |
| Equity / Assets | 11.53% | 10.72% | 10.99% | 11.14% | 11.81% | 10.11% | 10.44% | 10.78% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.70% | 81.61% | 81.54% | 79.94% | 80.88% | 83.74% | 81.35% | 82.06% | +212 bps | |
| Liquid Assets / Assets | 6.66% | 7.48% | 8.29% | 9.65% | 7.70% | 4.37% | 6.42% | 6.33% | -332 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 246% | 306% | 304% | n/a | n/a | |
Fairbanks, AK · Cert 26530 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Denali Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.46%
Rank 183 of 746
Net Interest Margin
4.97%
Rank 32 of 746
Efficiency Ratio
60.48%
Rank 289 of 746
Equity / Assets
10.78%
Rank 342 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.72% | 1.06% | 1.45% | Beats 75% | 183 / 746 | ||
| Return on Equity | 13.51% | 6.74% | 10.51% | 13.63% | Beats 74% | 197 / 746 | ||
| Net Interest Margin | 4.97% | 3.17% | 3.68% | 4.16% | Beats 96% | 32 / 746 | ||
| Efficiency Ratio | 60.48% | 55.74% | 64.58% | 75.47% | Beats 61% | 289 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.02% | 0.09% | 0.42% | 1.07% | Beats 12% | 655 / 743 | ||
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.01% | 0.05% | Beats 11% | 663 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.77% | 11.55% | 13.75% | 17.60% | Beats 59% | 307 / 746 | ||
| Total Risk-Based Capital Ratio | 16.03% | 11.71% | 14.33% | 18.43% | Beats 64% | 271 / 746 | ||
| Equity / Assets | 10.78% | 8.90% | 10.51% | 13.06% | Beats 54% | 342 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.06% | 61.31% | 78.27% | 90.78% | 58th pctl | 314 / 746 | ||
| Loans / Assets | 72.02% | 53.60% | 66.97% | 76.08% | 63rd pctl | 276 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||