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Northrim BanCorp
Northrim BanCorp (NRIM) investor relations material
Northrim BanCorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Net income for Q4 2025 was $12.4 million ($0.55 per share), with annual net income of $64.6 million ($2.87 per share), reflecting strong profitability despite a sequential decline from Q3 2025 and a 75% year-over-year increase.
Maintained a robust balance sheet with total assets of $3.29 billion and total deposits of $2.81 billion at year-end 2025, both up year-over-year.
Continued branch expansion and strategic acquisitions, including Sallyport Commercial Finance, LLC, and new locations in Homer and Kodiak.
Record net interest income and 8% portfolio loan growth contributed to strong annual results.
Financial highlights
Q4 2025 net interest income reached a record $35.4 million, with net interest margin (NIM) at 4.75%, up 28 bps year-over-year.
Return on average assets (ROAA) was 1.50% and return on average equity (ROAE) was 15.16% for Q4 2025.
Portfolio loans grew 8% year-over-year to $2.30 billion, with total deposits rising 5% to $2.81 billion.
Asset quality remained strong with nonperforming assets at 0.35% of total assets and net charge-offs at 0.02% of average loans.
Tangible book value per share rose to $12.47, with book value per share at $14.77.
Outlook and guidance
Management expects stable or improving NIM as 30% of loans mature or reprice in the next three months and 26% of deposits remain non-interest bearing.
Net interest margin is anticipated to remain relatively flat throughout 2026 given the current rate environment.
Branch expansion and market share gains are expected to continue, leveraging competitor pullbacks and Alaska’s economic growth.
Operating expenses are expected to moderate after a temporary elevation in Q4 2025.
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Next Northrim BanCorp earnings date
Q1 202623 Apr, 2026
Northrim BanCorp
Next Northrim BanCorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Northrim BanCorp, Inc. is the holding company for Northrim Bank, a community bank primarily serving Alaska. It operates approximately 20 branches across key Alaskan cities, including Anchorage, Fairbanks, and Juneau. The bank offers a broad range of commercial and retail banking services, and also operates an asset-based lending division in Washington state. Additionally, Northrim BanCorp owns Residential Mortgage Holding Company, LLC, a mortgage brokerage firm. The company is headquartered in Anchorage, Alaska, and its shares are listed on NASDAQ.
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