NRIMHIGH SIGNALFINANCIAL10-K

NRIM executed a 4-for-1 stock split while delivering substantially higher net income alongside strong revenue growth and improved capital efficiency.

The stock split, evidenced by the share count increasing from 5.5M to 22.1M shares with par value dropping from $1.00 to $0.25, signals management confidence in the company's trajectory. The bank's expanded deposit base growing to $2.8B and asset base reaching $3.3B demonstrates meaningful organic growth in its core Alaska market, while the substantial debt reduction of 44% indicates improved capital management.

Comparing 2026-03-06 vs 2025-03-10View on EDGAR →
FINANCIAL ANALYSIS

NRIM delivered strong financial performance with revenue growing 30% to $255.6M and net income substantially higher at $64.6M compared to the prior year. The company strengthened its balance sheet position through a meaningful 44% reduction in total debt to $12.8M while growing stockholders' equity 22% to $326.5M. The combination of robust top-line growth, substantially improved profitability, and enhanced capital efficiency reflects a bank successfully executing on its growth strategy in the Alaska market.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+74.8%
$37.0M$64.6M

Net income grew 74.8% — bottom-line growth signals improving overall business health.

Total Debt
Balance Sheet
-44.4%
$23.0M$12.8M

Debt reduced 44.4% — deleveraging strengthens balance sheet and reduces financial risk.

Gross Profit
P&L
+37.5%
$151.9M$208.9M

Gross profit expanding — improving pricing power or product mix shift toward higher-margin offerings.

Revenue
P&L
+30.4%
$196.0M$255.6M

Strong top-line growth of 30.4% — accelerating demand or successful expansion into new markets.

Stockholders Equity
Balance Sheet
+22.2%
$267.1M$326.5M

Equity base grew 22.2% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Net Interest Income
P&L
+15.9%
$153.9M$178.4M

Net interest income grew 15.9% — benefiting from rate environment or loan book expansion.

LANGUAGE CHANGES
NEW — 2026-03-06
PRIOR — 2025-03-10
ADDED
22,127,970 shares of Common Stock, $0.25 par value, as of March 6, 2026.
Management's Discussion and Analysis of Financial Condition and Results of Operations 37 Item 7A.
The Company has grown to be the third largest commercial bank in Alaska in terms of deposits, with $2.8 billion in total deposits and $3.3 billion in total assets at December 31, 2025.
The Bank is regulated by the Federal Deposit Insurance Corporation (the FDIC ) and the State of Alaska Department of Commerce, Community and Economic Development, Division of Banking and Securities (the Division ).
We operate in Washington State through Northrim Funding Services ( NFS ), a division of the Bank started in 2004 engaged in the factoring business.
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REMOVED
5,520,880 shares of Common Stock, $1.00 par value, as of March 10, 2025.
Management's Discussion and Analysis of Financial Condition and Results of Operations 39 Item 7A.
The Company has grown to be the third largest commercial bank in Alaska in terms of deposits, with $2.7 billion in total deposits and $3.0 billion in total assets at December 31, 2024.
The Bank is regulated by the Federal Deposit Insurance Corporation (the "FDIC") and the State of Alaska Department of Commerce, Community and Economic Development, Division of Banking and Securities.
We operate in Washington State through Northrim Funding Services ( NFS ), a factoring business that the Bank started in 2004.
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