Denali State Bank
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
$522.6MAssets
$376.4MLoans
$458.7MDeposits
$56.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets operating in a single state (rank 32 of 746).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets operating in a single state (rank 663 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.6M · efficiency ratio beats 61% of banks under $1B in assets operating in a single state | 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 |