| Metric | Denali State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +4.9% | -7.2 pts |
| Deposit growth (YoY) | -1.0% | +4.3% | -5.3 pts |
| Loan growth (YoY) | +1.6% | +5.3% | -3.7 pts |
| ROA | 1.47% | 1.28% | +0.2 pts |
| ROE | 14.1% | 12.4% | +1.6 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $522.6M | $458.7M | $368.1M | $56.3M | $3.8M | 1.47% | 5.31% | 1.45% |
| Q1 2026 | $516.5M | $455.1M | $362.1M | $53.9M | $1.8M | 1.37% | 5.22% | 1.54% |
| Q4 2025 | $512.8M | $446.4M | $365.9M | $51.9M | $8.6M | 1.64% | 5.42% | 1.52% |
| Q3 2025 | $534.7M | $463.5M | $367.0M | $63.1M | $6.6M | 1.68% | 5.37% | 1.56% |
| Q2 2025 | $535.1M | $463.3M | $362.2M | $59.6M | $4.3M | 1.65% | 5.32% | 1.13% |
| Q1 2025 | $521.5M | $452.5M | $361.3M | $57.3M | $2.0M | 1.54% | 5.31% | 0.34% |
| Q4 2024 | $511.0M | $445.0M | $355.9M | $54.8M | $7.4M | 1.47% | 5.38% | 0.39% |
| Q3 2024 | $502.1M | $432.2M | $350.0M | $57.9M | $5.6M | 1.50% | 5.32% | 0.57% |
Loan mix (Q2 2026): real estate $232.0M · commercial $92.1M · consumer $53.5M · securities $116.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Denali State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.28% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 12.4% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.31% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 61.2% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Denali State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Denali State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Denali State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Denali State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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