Denali State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Denali State Bank of Fairbanks, AK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.56% | 1.34% | +0.22% | 67th above |
| ROAE | 14.80% | 13.32% | +1.48% | 65th above |
| Net Interest Margin | 5.34% | 3.93% | +1.41% | 96th top |
| Efficiency Ratio | 58.47% | 61.13% | -2.66% | 58th above |
| PPNR / Avg Assets | 2.31% | 1.68% | +0.63% | 84th top |
| Yield on Earning Assets | 6.42% | 5.67% | +0.75% | 85th top |
| Cost of Funds | 1.21% | 1.88% | -0.67% | 84th top |
| Net Interest Spread | 4.55% | 3.32% | +1.23% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.05% | 0.94% | +1.11% | 13th bottom |
| NPA / Total Assets | 1.47% | 0.70% | +0.77% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.16% | -0.01% | 15th bottom |
| ACL / Total Loans | 2.19% | 1.28% | +0.91% | 95th top |
| ACL / NPLs (Coverage) | 107.04% | 1546.92% | -1439.88% | 29th below |
| Texas Ratio | 11.96% | 7.33% | +4.63% | 17th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 214.46% | 1395.77% | -1181.31% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.77% | 19.49% | -4.72% | 47th below |
| Tier 1 Ratio | 14.77% | 19.52% | -4.75% | 46th below |
| Total Capital Ratio | 16.03% | 20.61% | -4.58% | 48th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.65% | 12.14% | -0.49% | 60th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.78% | 11.37% | -0.59% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.78% | 11.08% | -0.30% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.06% | 80.66% | +1.40% | 47th below |
| Core Deposit Ratio | 86.64% | 86.85% | -0.21% | 37th below |
| Wholesale Funding Ratio | 0.09% | 5.04% | -4.95% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.32% | 6.85% | -9.17% | 10th bottom |
| Loan Growth (Y/Y) | 1.64% | 7.92% | -6.28% | 30th below |
| Deposit Growth (Y/Y) | -0.99% | 6.29% | -7.28% | 18th bottom |
See Denali State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Denali State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Denali State Bank profile, how to read a UBPR, or how this data updates.