What is the 13F Pro Quality Score for NRIM?

13F Pro ranks NORTHRIM BANCORP INC (NRIM) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NRIM's current score at https://13fpro.ai/company/NRIM (free sign-up required for the full ranking).

Where does 13F Pro source NRIM data?

All NORTHRIM BANCORP INC fundamentals and ownership data come directly from SEC EDGAR. NORTHRIM BANCORP INC files with the SEC under CIK 1163370. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NRIM in?

NORTHRIM BANCORP INC (NRIM) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives NRIM's revenue?

Per NORTHRIM BANCORP INC's latest 10-Q filed with the SEC on 2026-07-31, the biggest revenue drivers are: Community Banking ($44.2M, +5% YoY); Home Mortgage Lending ($12.1M, -3% YoY); Specialty Finance ($7.6M, +13% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/NRIM.

What are NRIM's largest expenses?

NORTHRIM BANCORP INC's latest 10-Q reports these as the largest expense items: Salaries and other personnel expense ($20.8M, -0.3% YoY); Total interest expense ($10.0M, -11% YoY); Data processing expense ($3.5M, +3% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is NRIM research updated on 13F Pro?

NRIM's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

NORTHRIM BANCORP INC(NRIM)Stock Analysis

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13F Pro Quality Score

66.5/100

Rank #415 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

87.6/100

Profitability

89.3/100

Balance Sheet

53.4/100

Earnings Quality

87.6/100

Free Cash Flow

98.4/100

Institutional Flow

36.0/100

Revenue Scale

27.6/100

Dilution Risk

68.0/100

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Why NRIM Scores 67/100

exact factor attribution · 2026-09-11

NRIM's composite is driven by revenue growth and profitability, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.0 pts

88th pct

Profitability

+7.9 pts

89th pct

Free cash flow

+7.3 pts

98th pct

Earnings quality

+3.8 pts

88th pct

Earnings growth

+2.4 pts

86th pct

Shareholder dilution

+1.2 pts

68th pct

Capital efficiency

+0.5 pts

53th pct

Institutional flow

-0.9 pts

36th pct

Scale

-4.5 pts

28th pct

Latest change (2026-07-31): 55 → 69 · ↑ Revenue growth 3→78; despite ↓ Earnings growth 86→73

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in NRIM

Events flagged as statistical outliers against NRIM's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-07-31
NRIM quality score jumped 14 points (55→69) on a new filing
View source filing →

NRIM Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for NORTHRIM BANCORP INC (NRIM), a Financials sector company. 13F Pro's AI-powered ranking engine scores NRIM at 66.5/100 on a 32-signal composite quality model, placing it at rank #415 of 2,961 stocks — the top 25% of the AI-ranked universe. NRIM scores in the top quartile across free cash flow (98.4), profitability (89.3), revenue growth (87.6). Areas of concern include revenue scale (27.6) and institutional flow (36.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), NORTHRIM BANCORP INC reports quarterly revenue of $63.9M, net income of $15.3M, an operating margin of 31.6%. Top institutional holders of NRIM by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. NRIM trades on the Nasdaq exchange and files with the SEC under CIK 1163370. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NRIM daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NORTHRIM BANCORP INC directly from SEC EDGAR. NORTHRIM BANCORP INC's 13F Pro composite quality score has ranged between 50 and 71 since 2025, currently 66.5 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

✦

Fun facts about NORTHRIM BANCORP INC

Quirks, history, and lore behind NRIM — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in one of the most remote states in the union.
2
The Numbers
Total assets in the range of $2 billion — not a giant by any measure, but a meaningful player in a market with very few competitors for its geography.
3
The History
Founded in the 1990s, it was built to serve individuals and businesses in a state where the nearest big-bank branch might be a very long flight away.
4
The Secret
Its core customers include industries that thrive in extreme cold — think oil, fishing, and government contractors — making its loan book unlike any Lower 48 bank.
5
The Lore
Operating in a state with no state income tax and an economy tied to natural resources, this bank basically has a captive market bounded by the Pacific, the Arctic, and Canada.
6
The Giveaway
Its name literally means "northern rim" — because when you're banking in Anchorage, Alaska, you really are at the top of the map.

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What's Driving NRIM's Business? Latest 10-Q Breakdown

✓ 26/26 datapoints verified

AI-extracted from NORTHRIM BANCORP INC's 10-Q filed 2026-07-31 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Northrim's Q2 FY2026 revenue rose to $63.9M (+4% YoY) as net interest income grew 11% and NIM expanded 30bp to 4.96%, even as nonperforming loans nearly doubled to $21.8M.

Biggest Revenue Drivers

Community Banking$44.2M+5% YoY

Net interest income rose 11% on higher interest income on loans, investments and bank deposits plus lower deposit interest expense.

Home Mortgage Lending$12.1M-3% YoY

Mortgage loans funded for sale fell to $239.1M from $249.7M and mortgage servicing revenue declined.

Biggest Revenue Drivers

Total revenue: $63.9M+4% YoY

Community Banking$44.2M+5% YoY

Net interest income rose 11% on higher interest income on loans, investments and bank deposits plus lower deposit interest expense.

Home Mortgage Lending$12.1M-3% YoY

Mortgage loans funded for sale fell to $239.1M from $249.7M and mortgage servicing revenue declined.

Specialty Finance$7.6M+13% YoY

Average purchased receivables and loan balances grew to $141.5M from $124.1M.

Largest Expense Items

Salaries and other personnel expense$20.8M-0.3% YoY

Lower group medical claims expense and lower accruals for profit sharing.

Total interest expense$10.0M-11% YoY

Lower interest expense on deposits and borrowings, partly offset by higher subordinated debenture interest.

Data processing expense$3.5M+3% YoY

Occupancy expense$1.8M-13% YoY

Margins: Net interest margin expanded 30 bps YoY to 4.96%, driven by a favorable mix shift toward higher-yielding loans and a lower cost of interest-bearing deposits (1.71% vs 2.04%).

Watch Items from the Filing

Northrim announced a merger with PBCO Financial Corporation (July 22, 2026), an all-stock deal giving PBCO holders 1.160 Northrim shares each and ~21% of the combined ~$4.2B-asset company.
Nonperforming loans, net of government guarantees, jumped 93% to $21.8M from $11.3M, mainly due to three loans added to a single borrower relationship.
Uninsured deposits totaled $1.14 billion, or 39% of total deposits, up from 38% at December 31, 2025.
33 customers with balances over $10 million account for $745.7 million, or 26%, of total deposits.
Direct exposure to the oil and gas industry is $128.6 million, about 5% of loans, with $89.0 million of related unfunded commitments.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$63.9M

Net Income

Q2 2026

$15.3M

Free Cash Flow

Q2 2026

$39.5M

Operating Margin

Q2 2026

31.6%

ROIC

Q2 2026

18.9%

D/E Ratio

Q2 2026

0.23

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+64.7% YoY

$255.6MFY 2025

FY22 $134.4MFY23 $129.6MFY24 $155.2MFY25 $255.6M

Net Income

+74.8% YoY

$64.6MFY 2025

FY22 $30.7MFY23 $25.4MFY24 $37.0MFY25 $64.6M

EPS (Diluted)

+591.6% YoY

$2.87FY 2025

FY22 $1.32FY23 $0.28FY24 $0.41FY25 $2.87

Total Assets

+8.2% YoY

$3.29BFY 2025

FY22 $2.67BFY23 $2.81BFY24 $3.04BFY25 $3.29B

Total Debt

+254.6% YoY

$81.7MFY 2025

FY22 $14.1MFY23 $13.7MFY24 $23.0MFY25 $81.7M

Op. Cash Flow

+1696.6% YoY

$139.3MFY 2025

FY22 $78.1MFY23 $38.8MFY24 $-8.7MFY25 $139.3M

Free Cash Flow

+1532.2% YoY

$133.9MFY 2025

FY22 $74.3MFY23 $32.6MFY24 $-9.3MFY25 $133.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$255.6M +64.7%	$155.2M +19.7%	$129.6M -3.6%	$134.4M +1.0%	$133.1M -0.7%	$134.0M
Net Income	$64.6M +74.8%	$37.0M +45.6%	$25.4M -17.4%	$30.7M -18.1%	$37.5M +14.1%	$32.9M
EPS (Diluted)	$2.87 +591.6%	$0.41 +48.2%	$0.28 -78.7%	$1.32 -12.2%	$1.50 +17.4%	$1.28
Total Assets	$3.29B +8.2%	$3.04B +8.3%	$2.81B +5.0%	$2.67B -1.8%	$2.72B +28.4%	$2.12B
Total Debt	$81.7M +254.6%	$23.0M +68.5%	$13.7M -3.0%	$14.1M -2.8%	$14.5M -2.1%	$14.8M
Operating Cash Flow	$139.3M +1696.6%	$-8.7M -122.5%	$38.8M -50.3%	$78.1M -30.3%	$112.0M +407.2%	$-36.5M
Free Cash Flow	$133.9M +1532.2%	$-9.3M -128.7%	$32.6M -56.1%	$74.3M -32.3%	$109.7M +379.0%	$-39.3M

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Available Research

13F Pro tracks comprehensive data for NORTHRIM BANCORP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NRIM

BlackRock, Inc.
$81.2M2,926,599 sh
DIMENSIONAL FUND ADVISORS LP
$33.6M1,210,516 sh
VANGUARD CAPITAL MANAGEMENT LLC
$26.3M948,559 sh
AMERICAN CENTURY COMPANIES INC
$23.8M857,671 sh
GEODE CAPITAL MANAGEMENT, LLC
$22.6M815,361 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$21.9M789,126 sh
STATE STREET CORP
$18.6M668,901 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$15.6M562,928 sh
De Lisle Partners LLP
$13.2M476,019 sh
AMERIPRISE FINANCIAL INC
$9.8M352,024 sh

Fund	Value	Shares
BlackRock, Inc.	$81.2M	2,926,599
DIMENSIONAL FUND ADVISORS LP	$33.6M	1,210,516
VANGUARD CAPITAL MANAGEMENT LLC	$26.3M	948,559
AMERICAN CENTURY COMPANIES INC	$23.8M	857,671
GEODE CAPITAL MANAGEMENT, LLC	$22.6M	815,361
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$21.9M	789,126
STATE STREET CORP	$18.6M	668,901
VANGUARD PORTFOLIO MANAGEMENT LLC	$15.6M	562,928
De Lisle Partners LLP	$13.2M	476,019
AMERIPRISE FINANCIAL INC	$9.8M	352,024

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Is NRIM a good stock to buy?

13F Pro's AI-powered analysis of NORTHRIM BANCORP INC (NRIM) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NRIM are available on the NRIM stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. NRIM is classified as a small company.

Which hedge funds own NRIM?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NRIM. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of NORTHRIM BANCORP INC's investment landscape.