DENALI STATE BANK

FAIRBANKS, AK | Medium | Est. Feb. 3, 1986, midnight | FDIC #26530 | RSSD #571265 | FDIC
Latest Report: 2025-12-31

DENALI STATE BANK is amn medium FDIC-insured commercial bank headquartered in FAIRBANKS, AK, established in Feb. 3, 1986, midnight. As of 2025-12-31, the bank reported total assets of $513M and total deposits of $446M. Profitability stands at 1.49% ROA and 13.55% ROE, with a net interest margin of 5.62%. The bank's CET1 capital ratio is 14.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.08% and a Texas Ratio of 13.03%. FDIC Certificate #26530.

Assets

$513M

Deposits

$446M

Loans

$374M

Equity

$52M

Profitability

Return on Assets (ROA) 1.49%
Return on Equity (ROE) 13.55%
Net Interest Margin (NIM) 5.62%
Yield on Assets 6.71%
Cost of Funds 1.15%

Asset Quality

NPL Ratio 2.08%
Net Charge-Off Ratio 0.27%
Texas Ratio 13.03%
NPA Ratio 1.52%
ACL / Loans 2.11%

Capital & Liquidity

CET1 Ratio 14.05%
Tier 1 Capital 14.05%
Total Capital Ratio 15.31%
Leverage Ratio 10.67%
Loan-to-Deposit 83.74%

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