Northrim 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.
Cre concentration (tier 1 capital + allowance) dropped 12.46 percentage points in Q2 2026, from 283.50% to 271.04%. It was the largest change from Q1 2026 among the key lines here. Northrim Bank has the highest loan-to-deposit ratio of the 5 banks headquartered in Alaska, 88.48% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Northrim Bank reported 88.48% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.59B |
| Net loans and leases | $2.57B |
| Loans held for sale | $83.3M |
| Loans to total assets | 76.36% |
| Loan-to-deposit ratio | 88.48% |
| Net loans to equity capital | 6.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.16% |
| Multifamily (5+ residential) | 6.68% |
| Commercial and industrial | 22.93% |
| Consumer | 0.37% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.52% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 271.04% |
| Construction concentration (Tier 1 capital + allowance) | 56.97% |
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 | — |
| Interest income on loans | $48.8M |
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 | $1.82B | $2.45B | 44.79% | 24.77% | 0.32% |
| Q4 2023 | $1.86B | $2.50B | 44.69% | 24.05% | 0.33% |
| Q1 2024 | $1.89B | $2.45B | 44.22% | 22.96% | 0.34% |
| Q2 2024 | $1.99B | $2.48B | 43.57% | 22.22% | 0.33% |
| Q3 2024 | $2.13B | $2.64B | 41.88% | 20.57% | 0.37% |
| Q4 2024 | $2.27B | $2.68B | 40.97% | 22.75% | 0.33% |
| Q1 2025 | $2.38B | $2.78B | 40.18% | 24.80% | 0.31% |
| Q2 2025 | $2.44B | $2.81B | 40.23% | 24.52% | 0.31% |
| Q3 2025 | $2.44B | $2.91B | 40.96% | 23.97% | 0.34% |
| Q4 2025 | $2.50B | $2.83B | 41.75% | 23.46% | 0.39% |
| Q1 2026 | $2.54B | $2.89B | 40.72% | 22.32% | 0.36% |
| Q2 2026 | $2.59B | $2.93B | 40.16% | 22.93% | 0.37% |
Northrim Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northrim 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 Northrim Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33216) · FFIEC NIC profile (RSSD 1718188)