Denali State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.67 percentage points higher than in Q1 2026, at 107.04%. On return on assets, Denali State Bank ranks 3rd highest among the 5 banks headquartered in Alaska, at 1.56% (Q2 2026). Denali State Bank reported 1.56% on return on assets for Q2 2026, 0.31 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.77% |
| Tier 1 risk-based capital ratio | 14.77% |
| Total risk-based capital ratio | 16.03% |
| Tier 1 leverage ratio | 11.65% |
| Equity capital to assets | 10.78% |
| Tangible equity to tangible assets | 10.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.05% |
| Non-performing assets ratio | 1.47% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 11.96% |
| Allowance for credit losses to loans | 2.19% |
| Reserve coverage of non-performing loans | 107.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.56% |
| Return on equity | 14.80% |
| Net interest margin | 5.34% |
| Efficiency ratio | 58.47% |
| Yield on earning assets | 6.42% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.06% |
| Core deposits to total deposits | 86.64% |
| Brokered deposits to total deposits | 1.09% |
| Deposits to assets | 87.76% |
| Securities to assets | 22.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.76% | 14.76% | 16.01% | 11.38% | 1.74% |
| Q4 2023 | 14.97% | 14.97% | 16.22% | 11.33% | 1.48% |
| Q1 2024 | 15.59% | 15.59% | 16.85% | 11.95% | 1.44% |
| Q2 2024 | 15.87% | 15.87% | 17.13% | 12.04% | 1.43% |
| Q3 2024 | 16.13% | 16.13% | 17.39% | 12.18% | 1.57% |
| Q4 2024 | 15.84% | 15.84% | 17.10% | 12.03% | 1.39% |
| Q1 2025 | 16.04% | 16.04% | 17.30% | 12.20% | 1.54% |
| Q2 2025 | 16.60% | 16.60% | 17.86% | 12.29% | 1.73% |
| Q3 2025 | 16.95% | 16.95% | 18.20% | 12.55% | 1.72% |
| Q4 2025 | 14.05% | 14.05% | 15.31% | 10.67% | 1.48% |
| Q1 2026 | 14.79% | 14.79% | 16.05% | 11.38% | 1.36% |
| Q2 2026 | 14.77% | 14.77% | 16.03% | 11.65% | 1.56% |
Denali State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Denali State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)