TellerScore

Headquartered in Fairbanks, Alaska, Mt. McKinley Bank is a si with $635.2M in total assets and $523.7M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1965.

Based on its Q2 2026 filing, Mt. McKinley Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 5 banks headquartered in Alaska, it ranks 1st. Its strongest component is capital cushion (100/100; 18.85%), and its lowest is earnings (48/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.85%
Loan quality61/100
Noncurrent loans ÷ total loans: 1.18%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity96/100
Loans ÷ deposits and uninsured-deposit share: 54.8% · 19.0% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.33%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (81 → 79), mostly because the loan quality component weakened by 7 points.

TellerScore
707784Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202475
Q4 202476
Q1 202578
Q2 202581
Q3 202581
Q4 202582
Q1 202684
Q2 202679
Tier 1 leverage ratio
5.00%11.93%18.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202417.16%
Q3 202417.12%
Q4 202417.51%
Q1 202517.92%
Q2 202518.31%
Q3 202518.25%
Q4 202518.40%
Q1 202618.64%
Q2 202618.85%
Noncurrent loans
0.51%1.25%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.99%
Q3 20241.58%
Q4 20241.47%
Q1 20251.22%
Q2 20250.97%
Q3 20250.97%
Q4 20250.91%
Q1 20260.51%
Q2 20261.18%
Return on assets
0.55%0.70%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.55%
Q3 20240.74%
Q4 20240.74%
Q1 20250.64%
Q2 20250.76%
Q3 20250.80%
Q4 20250.84%
Q1 20260.62%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$635.2M18.85%1.18%0.69%54.8%
Q1 202684$631.5M18.64%0.51%0.62%52.8%
Q4 202582$640.7M18.40%0.91%0.84%51.3%
Q3 202581$639.5M18.25%0.97%0.80%51.0%
Q2 202581$625.4M18.31%0.97%0.76%51.0%
Q1 202578$612.7M17.92%1.22%0.64%47.5%
Q4 202476$628.3M17.51%1.47%0.74%46.7%
Q3 202475$641.3M17.12%1.58%0.74%45.5%
Q2 202470$637.2M17.16%1.99%0.55%45.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.85%
95th
Total risk-based capital0.00%
24th
Problem loans1.18%
24th
Net charge-offs0.03%
34th
Return on assets0.69%
19th
Net interest margin3.74%
39th
Efficiency ratio78.4%
16th
Loans to deposits54.8%
88th
Uninsured deposits19.0%
68th
Loan-loss reserves1.57%
82nd
Texas ratio3.3%
45th

Similar-size banks in Alaska

InstitutionScoreAssetsCapitalProblem loansCompare
Denali State BankBank Fairbanks, AK61 out of 100, Moderate$522.6M11.6%2.02%vs
First BankBank Ketchikan, AK76 out of 100, Strong$889.9M10.2%0.03%vs

Deposit insurance

Is my money safe at Mt. McKinley Bank?

Yes. Mt. McKinley Bank is an FDIC-insured institution (FDIC certificate #19525). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.0% of deposits ($99.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Mt. McKinley Bank lists 5 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mt. McKinley Bank
Former names
Mt. McKinley Mutual Savings Bank
Type
SI
FDIC certificate #
19525
RSSD ID
542667
Primary regulator
FDIC
Established
December 3, 1965
Headquarters
500 4th Ave, Fairbanks, AK 99701
Employees
89

Quick answers

Mt. McKinley Bank: common questions

Is Mt. McKinley Bank FDIC insured?

Yes. Mt. McKinley Bank is an FDIC-insured institution (FDIC certificate #19525). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mt. McKinley Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Mt. McKinley Bank ever failed?

There is no failure record for FDIC certificate #19525 in the FDIC failed bank list.

How many branches does Mt. McKinley Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fairbanks

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank AlaskaBank Anchorage, AK77 out of 100, Strong$5.1B11.9%0.47%vs
Northrim BankBank Anchorage, AK69 out of 100, Moderate$3.4B10.3%0.89%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs
Denali State BankBank Fairbanks, AK61 out of 100, Moderate$522.6M11.6%2.02%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs