BlastPoint's Banking Scorecard

Northrim Bank

$1B-$10B Specialty: Commercial AK FDIC cert 33216

Designations: ✓ Community bank

Anchorage, AK

20 branches across AK

884 banks in the $1B-$10B peer group nationally 2 in AK

Northrim Bank has 5 strengths but faces 1 concern

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 27.9% in tier
+ Revenue Diversifier: Top 45.7% in tier
+ ROA 0.54% above tier average
+ Efficiency Ratio 3.17% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 29.5% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Total Assets ?	$3.3B +6.7% YoY +2.0% QoQ	+$521.1M	$2.8B -0.1% YoY	$2.1B +4.4% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$2.5B +6.9% YoY +1.9% QoQ	+$555.3M	$2.0B +0.6% YoY	$1.2B +6.9% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$2.9B +3.7% YoY +2.0% QoQ	+$541.8M	$2.3B -0.3% YoY	$1.7B +3.2% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.91% +4.7% YoY +5.9% QoQ	+0.54%	1.37% +19.6% YoY	1.32% +1.2% YoY	1.23% +13.4% YoY	Top 13.0% in tier
Net Interest Margin ?	5.46% +5.0% YoY -0.5% QoQ	+1.64%	3.82% +6.9% YoY	4.34% +3.3% YoY	3.89% +5.7% YoY	Top 3.4% in tier
Efficiency Ratio ?	57.89% -5.0% YoY -3.7% QoQ	-3.17%	61.06% -4.6% YoY	64.71% +1.0% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	0.59% +14.6% YoY +20.6% QoQ	-0.30%	0.89% +14.1% YoY	0.75% +55.4% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	87.35% +3.0% YoY -0.2% QoQ	+3.14%	84.20% +0.3% YoY	65.04% +3.3% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	28.66% +7.1% YoY +10.3% QoQ	+7.37%	21.29% -2.5% YoY	34.90% -0.4% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.47% +22.8% YoY +28.8% QoQ	-0.20%	0.67% +15.6% YoY	0.51% +90.8% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	12.09% +31.0% YoY +2.1% QoQ	-3.07%	15.16% +2.0% YoY	17.58% +2.3% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.27% +22.6% YoY -75.9% QoQ	+0.01%	0.26% +1.6% YoY	0.17% +3.3% YoY	0.32% +4.1% YoY	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Deposit Franchise

growth

#25 of 86 • Top 27.9% 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: 28.66%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.46%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ

Revenue Diversifier

growth

#102 of 221 • Top 45.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.27%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.91%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#125 of 420 • Bottom 29.5% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

Net Interest Margin

profitability

Value: 5.46%

Peer Median: 3.82%

#31 of 884 Top 3.4% in $1B-$10B

116

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.37%

#116 of 884 Top 13.0% in $1B-$10B

152

Non-Interest Income / Assets

revenue_mix

Value: 0.27%

Peer Median: 0.26%

#152 of 884 Top 17.1% in $1B-$10B

167

Non-Interest-Bearing Deposit Share

funding

Value: 28.66%

Peer Median: 21.29%

#167 of 884 Top 18.8% in $1B-$10B

205

Total Loans

size

Value: $2.52B

Peer Median: $1.96B

#205 of 884 Top 23.1% in $1B-$10B

212

Total Deposits

size

Value: $2.89B

Peer Median: $2.34B

#212 of 884 Top 23.9% in $1B-$10B

221

Total Assets

size

Value: $3.34B

Peer Median: $2.82B

#221 of 884 Top 24.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available