BlastPoint's Banking Scorecard
Northrim Bank
Community
Specialty: Commercial
AK
FDIC cert 33216
Anchorage, AK
1484
banks in Community tier nationally
4 in AK
View Community leaderboard (AK) →
Northrim Bank shows strong momentum with 3 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 21% in Community
- + Revenue Diversifier: Top 38% in Community
- + Net Interest Margin 1.82% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+8.0% YoY
-0.6% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$2.1B
+3.9% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.5B
+10.4% YoY
+2.4% QoQ
|
+$1.5B |
$975.5M
+2.4% YoY
|
$1.2B
+9.4% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2.8B
+5.3% YoY
-2.8% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$1.7B
+2.7% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.80%
+38.2% YoY
-1.8% QoQ
|
+0.64% |
1.16%
+17.2% YoY
|
1.41%
+20.1% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
5.49%
+22.2% YoY
+0.8% QoQ
|
+1.82% |
3.66%
+9.1% YoY
|
4.38%
+11.8% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
60.11%
-9.0% YoY
+0.5% QoQ
|
-2.52% |
62.63%
-5.3% YoY
|
61.88%
-3.2% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.49%
-3.5% YoY
-14.2% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.80%
+31.0% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
87.49%
+4.8% YoY
+5.4% QoQ
|
+4.42% |
83.06%
+0.3% YoY
|
64.31%
+5.5% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
25.98%
-1.5% YoY
-13.5% QoQ
|
+4.94% |
21.05%
-0.9% YoY
|
35.50%
-0.6% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.37%
-1.4% YoY
-11.6% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.51%
+65.1% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.85%
+28.8% YoY
+20.1% QoQ
|
+1.60% |
10.24%
-0.6% YoY
|
13.76%
+0.4% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
1.11%
-1.9% YoY
+35.6% QoQ
|
+0.37% |
0.74%
-1.3% YoY
|
0.73%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#77 of 371 · Top 21% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#143 of 371 · Top 38% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.11%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 2%
in Community
Why this stands out
Current:
5.49%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (0)
No concerns identified
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: 5.49% · Tier avg: 3.66%
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
93
93th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
88
88th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.74%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.98% · Tier avg: 21.05%
58
58th pctile
Loan-to-Deposit Ratio
Current: 87.49% · Tier avg: 83.06%
56
56th pctile
Efficiency Ratio
Current: 60.11% · Tier avg: 62.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
48
48th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.85% · Tier avg: 10.24%
Top Weaknesses
45
45th pctile
Tier 1 Capital Ratio
Current: 11.85% · Tier avg: 10.24%
48
48th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
56
56th pctile
Efficiency Ratio
Current: 60.11% · Tier avg: 62.63%
58
58th pctile
Loan-to-Deposit Ratio
Current: 87.49% · Tier avg: 83.06%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.98% · Tier avg: 21.05%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
88
88th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.74%
93
93th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
98
98th pctile
Net Interest Margin
Current: 5.49% · Tier avg: 3.66%