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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.40% | 1.54% | 1.75% | 1.74% | 1.49% | 1.37% | 1.57% | -18 bps | |
| Return on Equity | 14.42% | 12.55% | 14.19% | 15.80% | 15.13% | 13.55% | 13.36% | 14.80% | -100 bps | |
| Net Interest Margin | 5.15% | 5.23% | 5.01% | 5.01% | 5.10% | 5.13% | 4.91% | 5.08% | +7 bps | |
| Efficiency Ratio | 51.33% | 54.50% | 56.94% | 50.29% | 53.68% | 62.82% | 61.93% | 59.09% | +880 bps | |
| Non-Interest Burden | 2.34% | 2.60% | 2.65% | 2.21% | 2.45% | 2.98% | 2.84% | 2.78% | +56 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 | 0.25% | 1.24% | 0.10% | 0.03% | 0.73% | 0.21% | 0.20% | 0.15% | +12 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 | |