BlastPoint's Banking Scorecard
Denali State Bank
Fairbanks, AK
5 branches across AK
Denali State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 15.1% in tier
- + ROA 0.10% above tier average
- + Efficiency Ratio 3.35% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 37.0% in tier
- - Flatlined Growth: Bottom 48.6% in tier
- - Delinquency Rate 1.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$516.5M
-1.0% YoY
+0.7% QoQ
|
+$130.4M |
$386.1M
+0.5% YoY
|
$2.1B
+4.4% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$362.1M
+0.2% YoY
-1.0% QoQ
|
+$106.4M |
$255.7M
+1.1% YoY
|
$1.2B
+6.9% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$455.1M
+0.6% YoY
+1.9% QoQ
|
+$127.1M |
$328.0M
+0.1% YoY
|
$1.7B
+3.2% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.37%
-10.9% YoY
-16.2% QoQ
|
+0.10% |
1.27%
+12.9% YoY
|
1.32%
+1.2% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
5.22%
-1.8% YoY
-3.7% QoQ
|
+1.29% |
3.93%
+6.0% YoY
|
4.34%
+3.3% YoY
|
3.89%
+5.7% YoY
|
Top 4.9% in tier |
| Efficiency Ratio ? |
61.93%
+8.8% YoY
+10.7% QoQ
|
-3.35% |
65.29%
-4.5% YoY
|
64.71%
+1.0% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
2.20%
+353.4% YoY
+3.4% QoQ
|
+1.31% |
0.89%
+18.8% YoY
|
0.75%
+55.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.7% in tier |
| Loan-to-Deposit Ratio ? |
79.58%
-0.3% YoY
-2.9% QoQ
|
+2.94% |
76.64%
+0.8% YoY
|
65.04%
+3.3% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
36.56%
+1.3% YoY
-3.3% QoQ
|
+14.54% |
22.02%
-1.0% YoY
|
34.90%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 8.1% in tier |
| Nonperforming Asset Ratio ? |
1.54%
+358.8% YoY
+1.6% QoQ
|
+0.90% |
0.64%
+19.7% YoY
|
0.51%
+90.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.0% in tier |
| Tier 1 Capital Ratio ? |
14.79%
-7.8% YoY
+5.3% QoQ
|
-1.04% |
15.83%
+1.5% YoY
|
17.58%
+2.3% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.13%
+8.4% YoY
-78.9% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.17%
+3.3% YoY
|
0.32%
+4.1% YoY
|
66% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.