BlastPoint's Banking Scorecard
Denali State Bank
Community
Specialty: Commercial
AK
FDIC cert 26530
Fairbanks, AK
1484
banks in Community tier nationally
4 in AK
View Community leaderboard (AK) →
Denali State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 7% in Community
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.50% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$512.8M
+0.3% YoY
-4.1% QoQ
|
-$878.7M |
$1.4B
+2.0% YoY
|
$2.1B
+3.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$365.9M
+2.8% YoY
-0.3% QoQ
|
-$609.6M |
$975.5M
+2.4% YoY
|
$1.2B
+9.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$446.4M
+0.3% YoY
-3.7% QoQ
|
-$718.2M |
$1.2B
+1.7% YoY
|
$1.7B
+2.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.64%
+11.1% YoY
-2.5% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.41%
+20.1% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
5.42%
+0.7% YoY
+0.8% QoQ
|
+1.75% |
3.66%
+9.1% YoY
|
4.38%
+11.8% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
55.93%
+0.3% YoY
+4.4% QoQ
|
-6.70% |
62.63%
-5.3% YoY
|
61.88%
-3.2% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
2.13%
+279.6% YoY
-6.4% QoQ
|
+1.50% |
0.63%
+18.3% YoY
|
0.80%
+31.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
81.97%
+2.5% YoY
+3.5% QoQ
|
-1.09% |
83.06%
+0.3% YoY
|
64.31%
+5.5% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
37.79%
-1.0% YoY
+1.2% QoQ
|
+16.75% |
21.05%
-0.9% YoY
|
35.50%
-0.6% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
1.52%
+289.0% YoY
-2.7% QoQ
|
+1.02% |
0.50%
+20.3% YoY
|
0.51%
+65.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
14.05%
-11.3% YoY
-17.1% QoQ
|
+3.80% |
10.24%
-0.6% YoY
|
13.76%
+0.4% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.61%
+11.0% YoY
+43.2% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.73%
-6.5% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#11 of 150 · Top 7% in Community
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:
37.79%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.42%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (1)
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.13%
(Tier avg: 0.63%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Net Interest Margin
Current: 5.42% · Tier avg: 3.66%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.79% · Tier avg: 21.05%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
70
70th pctile
Efficiency Ratio
Current: 55.93% · Tier avg: 62.63%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.05% · Tier avg: 10.24%
61
61th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.97% · Tier avg: 83.06%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.52% · Tier avg: 0.50%
10
10th pctile
Total Loans
Current: $365.9M · Tier avg: $975.5M
9
9th pctile
Delinquency Rate
Current: 2.13% · Tier avg: 0.63%
5
5th pctile
Total Deposits
Current: $446.4M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $512.8M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $512.8M · Tier avg: $1.4B
5
5th pctile
Total Deposits
Current: $446.4M · Tier avg: $1.2B
9
9th pctile
Delinquency Rate
Current: 2.13% · Tier avg: 0.63%
10
10th pctile
Total Loans
Current: $365.9M · Tier avg: $975.5M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.52% · Tier avg: 0.50%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.97% · Tier avg: 83.06%
61
61th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.05% · Tier avg: 10.24%
70
70th pctile
Efficiency Ratio
Current: 55.93% · Tier avg: 62.63%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.79% · Tier avg: 21.05%
98
98th pctile
Net Interest Margin
Current: 5.42% · Tier avg: 3.66%