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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 diluted share), down from $27.1 million in Q3 2025 due to a prior quarter asset sale gain, but up from $10.9 million in Q4 2024 year-over-year.
Full-year 2025 net income rose 75% to $64.6 million ($2.87 per diluted share) from $37.0 million in 2024, driven by higher net interest income and asset sale gains.
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, up from $30.8 million in Q4 2024.
Net interest margin (NIMTE) was 4.75% in Q4 2025, up 28 bps year-over-year but down 13 bps sequentially due to Fed rate cuts.
Return on average assets (ROAA) was 1.50% and return on average equity (ROAE) was 15.16% for Q4 2025.
Total assets at year-end were $3.29 billion, up 8% year-over-year.
Portfolio loans grew 8% year-over-year to $2.30 billion; total deposits rose 5% to $2.81 billion.
Adjusted net income for Q4 2025 was $12.2 million ($0.54 per share), excluding the prior quarter's asset sale gain.
Outlook and guidance
Management expects operating expenses to moderate in future quarters after temporary elevation in Q4 2025.
Net interest margin is anticipated to remain relatively flat throughout 2026 given the current rate environment.
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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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