MT. McKinley Bank
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Data as of · sourced from FFIEC call reports. How we update
MT. McKinley Bank is an FDIC-insured savings bank headquartered in Fairbanks, AK, established in 1965 (FDIC certificate 19525), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $635.2M, up 1.6% from Q2 2025, the 4th largest of 5 banks headquartered in Alaska. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19525
- Headquarters
- Fairbanks, AK
- Established
- 1965
- Total assets, Q2 2026
- $635.2M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 18.85%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 325271268
- Asset rank in state
- 4th of 5 in Alaska
MT. McKinley Bank, based in Fairbanks, Alaska, reported $635 million in assets at June 30, 2026, up 1.6% from a year earlier. It pays an average of 0.99% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 18.85% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $37 million equal 30% of Tier 1 capital, down from 38% a year earlier. Loans are outrunning deposits: over the year loans rose 8.1% and deposits rose 0.9%. Profitability lags: it returns 4.7% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, MT. McKinley Bank reported a return on assets of 0.74%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 3.33%. The figures come from its call report filed with the FFIEC.
MT. McKinley Bank ranks as the 4th largest of the 5 banks based in Alaska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $635.2M, loans rose 3.9% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 28.0% of total loans, ahead of commercial and industrial loans at 25.5%. The FDIC Summary of Deposits lists 5 offices for it, in Fairbanks, AK and Delta Junction, AK; its Fairbanks 4 offices book 93% of its branch deposits. Judged on its Q2 2026 call report, MT. McKinley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 4th Ave, Fairbanks, AK 99701
- County
- Fairbanks North Star
- Metro Area
- Fairbanks-College, AK
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 3, 1965
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $523.7M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $657.5M
- Average total loans
- $283.9M
- Average interest-bearing deposits
- $390.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- December 3, 1965
- FDIC Cert
- 19525
- Fed RSSD
- 542667
- Website
- www.mtmckinleybank.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, MT. McKinley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
MT. McKinley Bank's total assets moved between a low of $612.7M (Q1 2025) and a high of $647.6M (Q4 2023) from Q3 2023 to Q2 2026, 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
$635.2M total assets against $625.4M; $530.1M total liabilities against $530.0M.
$286.9M net loans and leases against $265.0M; $523.7M total deposits against $519.1M.
$278.8M securities against $301.5M; $20.1M cash and balances due against $7.0M.
$6.8M total interest income against $6.8M; $1.3M total interest expense against $1.3M.
$5.5M net interest income against $5.5M.
$869K total noninterest income against $805K; $4.9M total noninterest expense against $4.6M.
$0 provision for credit losses against -$50K.
$1.2M net income against $1.4M.
0.74% return on assets against 0.84%; 3.66% net interest margin against 3.72%.
18.85% tier 1 leverage ratio against 18.31%.
Inside the full MT. McKinley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
MT. McKinley Bank rankings
Its closest position to the top of a national ranking is 1,480 of 4,196, for total assets; its furthest is 3,084 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.60% (Q1 2026) to 1.06% (Q3 2024) and its net interest margin ran from 3.30% (Q3 2024) to 3.89% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.85% | 0.74% | 1.18% | 3.33% | 3.66% |
| Q1 2026 | 18.64% | 0.60% | 0.51% | 1.53% | 3.61% |
| Q4 2025 | 18.40% | 0.93% | 0.91% | 2.53% | 3.89% |
| Q3 2025 | 18.25% | 0.84% | 0.97% | 3.11% | 3.70% |
| Q2 2025 | 18.31% | 0.84% | 0.97% | 3.21% | 3.72% |
| Q1 2025 | 17.92% | 0.61% | 1.22% | 3.28% | 3.42% |
| Q4 2024 | 17.51% | 0.70% | 1.47% | 3.97% | 3.46% |
| Q3 2024 | 17.12% | 1.06% | 1.58% | 4.00% | 3.30% |
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 |
|---|---|---|---|
| MT. McKinley Bank (main office) | Fairbanks , AK | 99701 | $289.3M |
| University Avenue Branch | Fairbanks , AK | 99709 | $116.0M |
| North Pole | Fairbanks , AK | 99705 | $44.5M |
| Northeast Branch | Fairbanks , AK | 99701 | $37.7M |
| Delta Junction Branch | Delta Junction , AK | 99737 | $36.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 3.2% of deposits in AK, rank 6 of 7 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $691K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 MT. McKinley Bank
What are MT. McKinley Bank's total assets?
As of the Q2 2026 filing, MT. McKinley Bank reported total assets of $635.2 million in its FFIEC call report.
Where is MT. McKinley Bank headquartered?
It is headquartered in Fairbanks, AK, United States.
When was MT. McKinley Bank founded?
It was established in 1965, per the FDIC institution directory.
Is MT. McKinley Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #19525). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MT. McKinley Bank?
MT. McKinley Bank's primary federal regulator is the FDIC.
How many branches does MT. McKinley 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 MT. McKinley Bank's Texas Ratio?
Its Texas Ratio is 3.33% 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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