Denali State Bank
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Data as of · sourced from FFIEC call reports. How we update
Denali State Bank is an FDIC-insured commercial bank headquartered in Fairbanks, AK, established in 1986 (FDIC certificate 26530), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $522.6M, down 2.3% from Q2 2025, the 5th largest of 5 banks headquartered in Alaska. Its CET1 capital ratio was 14.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26530
- Headquarters
- Fairbanks, AK
- Established
- 1986
- Total assets, Q2 2026
- $522.6M
- Assets vs Q2 2025
- -2.3%
- CET1 ratio, Q2 2026
- 14.77%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 125200921
- Latest call report
- Q2 2026, FFIEC 041 · Denali State Bank call report
- Holding company
- DENALI BANCORPORATION, INC.
- Asset rank in state
- 5th of 5 in Alaska
Problem loans are rising at Denali State Bank. Based in Fairbanks, Alaska, it had $523 million in assets at June 30, 2026, down 2.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.02% of loans from 1.63% a year earlier. It keeps 5.34 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 11.7% of the capital and reserves that would absorb them, 4.4 times the median of 2.6% for banks its size.
The commercial and industrial book ($92 million) is worsening: 7.92% of it is past due or on nonaccrual, up from 4.35% a year earlier. Net income for the quarter slipped 12% from a year earlier, to $2.0 million.
As of June 30, 2026, Denali State Bank reported a CET1 capital ratio of 14.77%, a return on assets of 1.56%, a nonperforming-loan ratio of 2.02% and a Texas ratio of 11.75%. The figures come from its call report filed with the FFIEC.
Of the 5 banks headquartered in Alaska, Denali State Bank is the smallest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $522.6M, loans rose 1.7% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 24.5% of total loans, ahead of construction and land development loans at 18.9%. Its 5 offices in the FDIC Summary of Deposits are in Fairbanks, AK and Tok, AK; its Fairbanks 4 offices book 93% of its branch deposits. Judged on its Q2 2026 call report, Denali State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 119 N Cushman St, Fairbanks, AK 99701
- County
- Fairbanks North Star
- Metro Area
- Fairbanks-College, AK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 3, 1986
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $458.7M
- Allowance for credit losses
- $8.3M
- Net charge-offs (YTD)
- $325K
- Average total assets
- $523.3M
- Average total loans
- $364.9M
- Average interest-bearing deposits
- $276.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 3, 1986
- FDIC Cert
- 26530
- Fed RSSD
- 571265
- Website
- www.denalistatebank.com →
- Parent Holding Company
- DENALI BANCORPORATION, INC. (RSSD 1989241)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Denali State Bank's total assets ranged from $487.8M (Q4 2023) to $535.1M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$522.6M total assets against $535.1M; $466.3M total liabilities against $475.5M.
$368.1M net loans and leases against $362.2M; $458.7M total deposits against $463.3M.
$116.4M securities against $115.0M; $14.0M cash and balances due against $33.1M.
$8.0M total interest income against $8.0M; $1.4M total interest expense against $1.3M.
$6.6M net interest income against $6.7M.
$727K total noninterest income against $820K; $4.4M total noninterest expense against $3.8M.
$300K provision for credit losses against $601K.
$2.0M net income against $2.3M.
1.56% return on assets against 1.73%; 5.34% net interest margin against 5.26%.
14.77% CET1 capital ratio against 16.60%; 11.65% tier 1 leverage ratio against 12.29%.
Inside the full Denali State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDenali State Bank rankings
Its closest position to the top of a national ranking is 493 of 3,640, for Texas Ratio; its furthest is 1,657 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.36% (Q1 2026) to 1.73% (Q2 2025) and its net interest margin ran from 5.16% (Q1 2026) to 5.48% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.77% | 1.56% | 2.02% | 11.75% | 5.34% |
| Q1 2026 | 14.79% | 1.36% | 2.15% | 12.86% | 5.16% |
| Q4 2025 | 14.05% | 1.48% | 2.08% | 13.03% | 5.38% |
| Q3 2025 | 16.95% | 1.72% | 2.23% | 11.75% | 5.35% |
| Q2 2025 | 16.60% | 1.73% | 1.63% | 8.91% | 5.26% |
| Q1 2025 | 16.04% | 1.54% | 0.48% | 2.70% | 5.27% |
| Q4 2024 | 15.84% | 1.39% | 0.55% | 3.21% | 5.48% |
| Q3 2024 | 16.13% | 1.57% | 0.75% | 4.36% | 5.40% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Denali State Bank (main office) | Fairbanks , AK | 99701 | $292.7M |
| Golden Heart Branch | Fairbanks , AK | 99701 | $81.2M |
| Chena Pump Branch | Fairbanks , AK | 99709 | $35.7M |
| Tok Branch | Tok , AK | 99780 | $33.7M |
| Van Horn Branch | Fairbanks , AK | 99701 | $15.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.8% of deposits in AK, rank 7 of 7 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 165 applications, 118 loans originated, $30.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.1M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Denali State Bank
What are Denali State Bank's total assets?
As of the Q2 2026 filing, Denali State Bank reported total assets of $522.6 million in its FFIEC call report.
Where is Denali State Bank headquartered?
It is headquartered in Fairbanks, AK, United States.
When was Denali State Bank founded?
It was established in 1986, per the FDIC institution directory.
Is Denali State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26530). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Denali State Bank?
Denali State Bank's primary federal regulator is the FDIC.
What is Denali State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Denali State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Denali State Bank's Texas Ratio?
Its Texas Ratio is 11.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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