Denali State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.71 percentage points higher than in Q1 2026, at 182.64%. On loan-to-deposit ratio, Denali State Bank ranks 2nd highest among the 5 banks headquartered in Alaska, at 82.06% (Q2 2026). At 82.06%, Denali State Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $376.4M |
| Net loans and leases | $368.1M |
| Loans held for sale | $3.9M |
| Loans to total assets | 72.02% |
| Loan-to-deposit ratio | 82.06% |
| Net loans to equity capital | 6.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.11% |
| Multifamily (5+ residential) | 1.95% |
| Commercial and industrial | 24.39% |
| Consumer | 14.17% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.64% |
| Construction concentration (Tier 1 capital + allowance) | 102.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.35% |
| Interest income on loans | $6.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $356.7M | $417.0M | 23.91% | 37.14% | 13.39% |
| Q4 2023 | $347.5M | $409.3M | 24.42% | 36.38% | 13.71% |
| Q1 2024 | $341.5M | $421.7M | 25.99% | 36.54% | 13.63% |
| Q2 2024 | $350.7M | $436.3M | 26.35% | 35.38% | 13.21% |
| Q3 2024 | $357.4M | $432.2M | 26.52% | 33.98% | 13.80% |
| Q4 2024 | $363.2M | $445.0M | 26.23% | 34.51% | 13.78% |
| Q1 2025 | $368.9M | $452.5M | 29.27% | 31.83% | 13.99% |
| Q2 2025 | $370.3M | $463.3M | 28.91% | 32.24% | 14.04% |
| Q3 2025 | $374.9M | $463.5M | 29.24% | 30.42% | 13.96% |
| Q4 2025 | $373.8M | $446.4M | 28.68% | 29.25% | 14.30% |
| Q1 2026 | $370.2M | $455.1M | 30.14% | 27.75% | 14.33% |
| Q2 2026 | $376.4M | $458.7M | 30.11% | 24.39% | 14.17% |
Denali State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Denali State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Denali State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26530) · FFIEC NIC profile (RSSD 571265)