BlastPoint's Banking Scorecard
Northrim Bank
Designations: ✓ Community bank
Anchorage, AK
21 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 885 banks in the $1B-$10B peer group nationwide — 1 of 2 in AK.
- Deposits +4.2% year over year ($2.9B on the books).
- Delinquency rate 0.90%.
- Return on assets 1.98%.
- Efficiency ratio 57.16% vs a 59.73% peer average.
- Loan-to-deposit ratio 87.59% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northrim Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 30.0% in tier
- + Revenue Diversifier: Top 39.6% in tier
- + Profitability Leader: Top 43.2% in tier
- + Efficiency Ratio 2.57% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 49.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.4B
+5.1% YoY
+1.8% QoQ
|
+$602.3M |
$2.8B
-0.6% YoY
|
$2.1B
+3.8% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$2.6B
+6.3% YoY
+1.9% QoQ
|
+$603.7M |
$2.0B
-0.3% YoY
|
$1.3B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$2.9B
+4.2% YoY
+1.6% QoQ
|
+$611.9M |
$2.3B
-0.5% YoY
|
$1.7B
+2.9% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.98%
+15.9% YoY
+3.5% QoQ
|
+0.59% |
1.39%
+17.0% YoY
|
1.40%
+4.6% YoY
|
1.30%
+12.1% YoY
|
Top 12.5% in tier |
| Net Interest Margin ? |
5.59%
+5.0% YoY
+2.4% QoQ
|
+1.72% |
3.87%
+6.2% YoY
|
4.41%
+3.3% YoY
|
3.95%
+4.9% YoY
|
Top 2.9% in tier |
| Efficiency Ratio ? |
57.16%
-7.9% YoY
-1.3% QoQ
|
-2.57% |
59.73%
-12.6% YoY
|
63.17%
+0.4% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.90%
+82.1% YoY
+52.6% QoQ
|
+0.03% |
0.87%
+11.7% YoY
|
0.93%
+32.1% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
87.59%
+2.0% YoY
+0.3% QoQ
|
+2.55% |
85.04%
-0.1% YoY
|
65.65%
+3.9% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
28.33%
+2.2% YoY
-1.2% QoQ
|
+7.05% |
21.27%
-1.5% YoY
|
35.63%
-0.5% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.71%
+94.0% YoY
+50.4% QoQ
|
+0.04% |
0.67%
+11.7% YoY
|
0.61%
+37.8% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
12.38%
+32.7% YoY
+2.4% QoQ
|
-2.46% |
14.84%
-0.4% YoY
|
17.83%
+1.8% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.56%
+4.1% YoY
+108.8% QoQ
|
+0.03% |
0.53%
+2.5% YoY
|
0.35%
+1.2% YoY
|
0.66%
+5.2% YoY
|
84% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
28.3%
+0.6pp YoY -0.3pp QoQ |
+7.0pp | 21.4% | 35.6% | 22.2% | 80% |
| Brokered Deposits |
1.9%
-1.4pp YoY +1.2pp QoQ |
-7.6pp | 9.5% | 1.5% | 8.5% | 26% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
23.2%
-1.6pp YoY +0.6pp QoQ |
+9.2pp | 14.0% | 20.3% | 12.5% | 86% |
| CRE |
55.5%
-1.1pp YoY -1.0pp QoQ |
+5.5pp | 50.0% | 59.9% | 41.4% | 65% |
| 1-4 Family |
16.6%
+0.2pp YoY 0.0pp QoQ |
-9.9pp | 26.4% | 13.6% | 31.3% | 35% |
| Consumer |
0.4%
+0.1pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 4.5% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
+3.1pp YoY +0.3pp QoQ |
-3.2pp | 15.6% | 17.6% | 19.7% | 31% |
| Leverage Ratio |
10.3%
+2.7pp YoY +0.2pp QoQ |
-1.1pp | 11.3% | 12.6% | 12.6% | 44% |
| Total Capital Ratio |
13.4%
+3.1pp YoY +0.3pp QoQ |
-3.3pp | 16.7% | 18.6% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
532
+16 (+3.1%) YoY +5 (+0.9%) QoQ |
+218 | 313 | 294 | 482 | 85% |
| Assets per Employee ($) |
$6.4M
+1.9% YoY +0.8% QoQ |
-$4.1M | $10.5M | $7.0M | $8.8M | 16% |
| Branch Count |
21
+1 (+5.0%) YoY +1 (+5.0%) QoQ |
+1 | 20 | 13 | 18 | 68% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.4pp YoY +0.3pp QoQ |
+0.1pp | 0.8% | 1.2% | 1.0% | 70% |
| Allowance Coverage |
1.13x
-48.2% YoY -32.4% QoQ |
-17.58x | 18.71x | 16.52x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.0% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
-1.8pp YoY +0.5pp QoQ |
+5.0pp | 12.6% | 13.1% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.8pp | 1.9% | 1.1% | 1.7% | 9% |
| Net Income ($, YTD) |
$33.0M
+23.5% YoY — QoQ |
+$13.7M | $19.2M | $17.3M | $40.4M | 84% |
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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 (3)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.