# NORTHRIM BANK
ANCHORAGE, AK · FDIC certificate 33216 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.40B | |
| Deposits | $2.93B | |
| Loans and leases | $2.59B | |
| Total equity | $385.5M | |
| Loans / deposits | 87.59% (p51 of band) | 87.10% |
| Liquid assets / assets | 18.12% (p37 of band) | |
| Uninsured deposits / deposits | 38.94% (p71 of band) | 30.76% |
| Brokered deposits | 1.64% | |
| Wholesale funding | 2.34% (p31 of band) | |
| FHLB advances / assets | 0.37% | |
| Tier 1 leverage | 10.26% (p44 of band) | 10.50% |
| Unrealized securities loss / equity | -0.73% (p90 of band) | -7.75% |
| AOCI / equity | -0.20% (p57 of band) | |
| ROA (annualized) | 1.98% (p87 of band) | 1.26% |
| Net interest margin | 5.59% (p97 of band) | 3.70% |
| Efficiency ratio | 57.16% (p43 of band) | |
| Noncurrent loans | 0.89% (p70 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p47 of band) | |
| Reserve coverage of noncurrent | 113.44% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 53.52% (p56 of band) | |
| Auto loans | $2.3M (0.09% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $48.4M (13% of equity) (p89 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 532 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | capital falling | noncurrent p90 |
| 2019-03 | 1 | noncurrent p90 | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-23 [Alaska bank to buy Oregon lender for $167.3M - Banking Dive](https://news.google.com/rss/articles/CBMigwFBVV95cUxNellvb3ZVSl9UYzdkWUxfaXVSdXNXZktvOW92SDFsTXZNSUZfTmxVSEV3UzJVQ2Y5SEk3RkxrT21XZmlvRWptZTRMTkNsMEd4dEg4a1lzVWlXbEVYbXBIVHNmOWlicEJoSEg1a2RsNGxKOG93OHQxa2FrLW9HRFBQcjQyRQ?oc=5) · Banking Dive
- 2026-07-01 [Northrim Bank Opens Palmer Financial Center - Alaska Business Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxOU0RhU3prejU4elBzZzBmWHVCUmhPaFF0ZlJfcTNwVHVwQzEtamtuNngzbG9ocU9sSmhNNXo5SFNJU3l5NUFDWWdsdXJEOENUZFlweXVYRDZ2T2V1YUgxanotMmxYRHo0eG1lVzhNM1FLb1d2aU5vbGFMSHdpU0RWbzFhME5oZk1zZWdtSkh2TQ?oc=5) · Alaska Business Magazine
- 2026-07-13 [New Hires at Northrim Bank - Alaska Business Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTE0xbFRBZ2dRVmZLaHBpbTM2YWlwYjhqOXFZcW1IamxSeHNsYlltREFGTG1BLUdrVS1feC1jMV9FSDhQaHk4MXlhVDFjSlI3MmIzYWItTUt4RFpBc190SmdYdi1TQWoxeGxsRHF6cUY3QUVpcFFEMHNDbw?oc=5) · Alaska Business Magazine
- 2026-03-17 [Jessie Homes wins Northrim Bank Achieve More Award - iditarod.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcXJPSm0xeTFJVko3QVlab3JrOVc1cW0tcHdIdGxNNTdzclYxa0JySzdCanVHdDA1NHVNUzNPbkI2Ty1CWGJoaEJIZ0VnNkpiYnNyQ2RPWVlVWFEzZFItNnRCbVc3Y0dJWWRKN1pKRy0tcF9hdWUzVW1sVXVkc1dGZWZkYmRzZVJkcnNv?oc=5) · iditarod.com
- 2026-07-23 [Northrim BanCorp To Acquire PBCO Financial In $167.3 Million All-Stock Deal - Pulse 2.0](https://news.google.com/rss/articles/CBMimgFBVV95cUxPd3ZyUzM0Sl8tWnNyMk5HdlFOT093NjRaZ0d3VEVoSlRCQ2ZiLVR3anFYaHRIejR2UkhnaWlRZm40Qml1bGVOd19XbVVfTnc4aVdPVFFJNkRyM0poR2t3MTViMnFVaGFRR1NDUUtSaURPVVNWWlI0SHhnNy1acENYNXE3ckFGY09XWmtrTGZqN2gybThZQ2ZMaWlR0gGfAUFVX3lxTE5IMUZTalQtWm9hcHRzUDdtQzJHS2pnbWE2QmJiOUxwOWt6UXI3UFctbElKUHVzSlJfeG02MmRrSFFzYkZrcXhZbUFOOGJTWTU3eEJkT3MzN0s0WE80bXMwelJ2OVF6eG5acDFkVHA1VTJxekpNcUNac3AzUFhuQVBMdklHcjhMM1FoUUdCVWpvMUNad0JHQno0RmZUMDgwTQ?oc=5) · Pulse 2.0
- 2026-07-22 [Northrim BanCorp, Inc. Signs Definitive Agreement to Acquire PBCO Financial Corporation - GlobeNewswire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOU0JId2Z3TlpFVFY4MlBTTnl0MkIxRHpwNnVKZ3lObFpXTWxkQ3ZEV2MwX0NURktuV1FYaGNZOHpUZTlSaEFQWFNlQzhVTGZmQ0g0ZTdldHNPcjVHOWtKbFIzOFVKYk1wSlRNUzlOVEVJZ1hMTUR5Ym5MQWRtWFMzdmFWXzNMdzdqcHFZSUR3TFVRbzJRck11TGxESmtJdy1IWDh6REVUMDJPVS1aNHJiWkNoVklzWTJyMzBSVkREYnRFdlUySUtOR05VMmFCOENZbW9Gdl9SbXpfT0Z0UE00ZC16MzhDQkE3X0M0OGNn?oc=5) · GlobeNewswire
- 2026-07-24 [Eleven Promotions at Northrim Bank - Alaska Business Magazine](https://news.google.com/rss/articles/CBMigwFBVV95cUxOT1VnMWVDd1RpZWk3eEIwRm52dm9CckVUZHo1VC1fM05lU0Q4RHlIWUVURVZVRDl5ODFrYW16eldkbDRfOWhseGxCWHlXVUZzOVJxdTk4TklVR3lsV1p1cFlfYTlpTzlDWnNWUm1xMGZ3U21RSnc3dzhWVmNTYTA1VHY0SQ?oc=5) · Alaska Business Magazine
- 2026-07-29 [Northrim Bank Turns to Narmi One Platform for Digital Transformation - Alaska Business Magazine](https://news.google.com/rss/articles/CBMisAFBVV95cUxNb2hBak5XY0k0YmFZeE9TMXRYSWlTdDJ0bUFFMzVkWElzemtodFZEYndUaUdGczFJMm9OakZCMmgycWxiVDNXcTFocDcwQ3NVal9jdFFmQWhPbExfbnVGWk1YZnhiRmJmcGM5TDU5UURkejNSTjY0MjVFY3pEZk1wYzRuZUlPYXJkYkc3ZXRWc2ttcjduRVFrTW1BTVU0Z2tEckYzcHcyajJBOEhKRUZNTg?oc=5) · Alaska Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33216 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "33216", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide