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Denali State Bank

$100M-$1B Specialty: Commercial AK FDIC cert 26530

Fairbanks, AK

5 branches across AK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 3 in AK.
  • Deposits -1.0% year over year ($458.7M on the books).
  • Delinquency rate 2.06%.
  • Return on assets 1.47%.
  • Efficiency ratio 60.48% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 3 in AK
View $100M-$1B leaderboard (AK) →

Denali State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 11.9% in tier
  • + ROA 0.15% above tier average
  • + Efficiency Ratio 4.00% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 19.8% in tier
  • - Cost Spiral: Bottom 37.0% in tier
  • - Margin Compression: Bottom 44.6% in tier
Get updates when Denali State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Total Assets ? $522.6M
-2.3% YoY +1.2% QoQ
+$136.1M $386.6M
+1.2% YoY
$2.1B
+3.8% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $368.1M
+1.6% YoY +1.7% QoQ
+$109.8M $258.3M
+1.7% YoY
$1.3B
+7.1% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $458.7M
-1.0% YoY +0.8% QoQ
+$131.9M $326.7M
+0.7% YoY
$1.7B
+2.9% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 1.47%
-10.6% YoY +7.2% QoQ
+0.15% 1.32%
+10.8% YoY
1.40%
+4.6% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 5.31%
-0.2% YoY +1.7% QoQ
+1.32% 3.99%
+5.0% YoY
4.41%
+3.3% YoY
3.95%
+4.9% YoY
Top 4.4% in tier
Efficiency Ratio ? 60.48%
+13.0% YoY -2.4% QoQ
-4.00% 64.48%
-3.2% YoY
63.17%
+0.4% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 2.06%
+23.6% YoY -6.3% QoQ
+1.14% 0.92%
+15.7% YoY
0.93%
+32.1% YoY
0.98%
+16.3% YoY
Bottom 12.3% in tier
Loan-to-Deposit Ratio ? 80.26%
+2.7% YoY +0.9% QoQ
+2.31% 77.95%
+1.0% YoY
65.65%
+3.9% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 37.25%
-1.2% YoY +1.9% QoQ
+15.22% 22.03%
-0.6% YoY
35.63%
-0.5% YoY
21.98%
-0.6% YoY
Top 6.8% in tier
Nonperforming Asset Ratio ? 1.45%
+28.7% YoY -5.9% QoQ
+0.78% 0.67%
+16.4% YoY
0.61%
+37.8% YoY
0.69%
+15.8% YoY
Bottom 12.5% in tier
Tier 1 Capital Ratio ? 14.77%
-11.0% YoY -0.1% QoQ
-1.14% 15.91%
+1.4% YoY
17.83%
+1.8% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.27%
-1.0% YoY +107.7% QoQ
-0.30% 0.57%
+7.6% YoY
0.35%
+1.2% YoY
0.66%
+5.2% YoY
66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Noninterest-Bearing 37.3%
-0.4pp YoY
+0.7pp QoQ
 +15.1pp 22.1% 35.6% 22.2% 93%
Brokered Deposits 1.1%
-1.3pp YoY
-3.1pp QoQ
 -6.8pp 7.9% 1.5% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
C&I 25.0%
-8.1pp YoY
-3.5pp QoQ
 +13.5pp 11.6% 20.3% 12.5% 93%
CRE 52.2%
+8.2pp YoY
+2.7pp QoQ
 +12.6pp 39.5% 59.9% 41.4% 74%
1-4 Family 10.8%
-0.2pp YoY
+0.8pp QoQ
 -21.8pp 32.6% 13.6% 31.3% 12%
Consumer 14.5%
+0.1pp YoY
-0.2pp QoQ
 +10.4pp 4.1% 4.5% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
CET1 Ratio 14.8%
-1.8pp YoY
0.0pp QoQ
 -4.1pp 18.8% 17.6% 19.7% 47%
Leverage Ratio 11.6%
-0.6pp YoY
+0.3pp QoQ
 -0.5pp 12.2% 12.6% 12.6% 60%
Total Capital Ratio 16.0%
-1.8pp YoY
0.0pp QoQ
 -3.9pp 19.9% 18.6% 20.8% 48%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Full-Time Employees 76
+1 (+1.3%) YoY
0 QoQ
 +17 58 294 482 75%
Assets per Employee ($) $6.9M
-3.6% YoY
+1.2% QoQ
 -$641K $7.5M $7.0M $8.8M 50%
Branch Count 5
0 YoY
0 QoQ
 0 4 13 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.4% 10%
Nonaccrual 2.1%
+0.4pp YoY
-0.1pp QoQ
 +1.1pp 0.9% 1.2% 1.0% 88%
Allowance Coverage 1.09x
-19.5% YoY
+7.7% QoQ
 -23.07x 24.15x 16.52x 20.23x 29%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.0% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
ROE 14.1%
-0.9pp YoY
+0.7pp QoQ
 +1.9pp 12.2% 13.1% 11.6% 62%
Cost of Funds (YTD) 1.1%
0.0pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.1% 1.7% 16%
Net Income ($, YTD) $3.8M
-11.5% YoY
— QoQ
 +$1.2M $2.6M $17.3M $40.4M 78%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#34 of 278 • Top 11.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.25%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.31%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#186 of 936 • Bottom 19.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Cost Spiral

risk
#52 of 138 • Bottom 37.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 60.48%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#138 of 307 • Bottom 44.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.47%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

118
Net Interest Margin
profitability
Value: 5.31%
Peer Median: 3.99%
#118 of 2643 Top 4.4% in $100M-$1B
182
Non-Interest-Bearing Deposit Share
funding
Value: 37.25%
Peer Median: 22.03%
#182 of 2643 Top 6.8% in $100M-$1B
637
Total Deposits
size
Value: $458.68M
Peer Median: $326.73M
#637 of 2643 Top 24.1% in $100M-$1B
640
Total Loans
size
Value: $368.15M
Peer Median: $258.35M
#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (2 metrics)

2311
Delinquency Rate
credit_quality
Value: 2.06%
Peer Median: 0.92%
#2311 of 2633 Bottom 12.3% in $100M-$1B
2314
Nonperforming Asset Ratio
credit_quality
Value: 1.45%
Peer Median: 0.67%
#2314 of 2643 Bottom 12.5% in $100M-$1B
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