Denali State Bank

119 North Cushman Street
Fairbanks, AK 99701

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 26530
Date Established 1986
Assets $0.29 billion
Loans $0.17 billion
Deposits $0.26 billion
Capital $0.03 billion

Denali State Bank is an FDIC insured institution located in Fairbanks, AK. It was founded in 1986 and has approximately $0.29 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Denali State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Denali State Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Alaska, Denali State Bank has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.40
Multifamily
Mortgages
1.21
Credit Card Loans 0.00
Consumer Auto Loans 1.48
Small Business Loans 15.98
Construction and Development Loans 5.55
Commercial Real Estate 43.43
Commercial and Industrial Loans 22.49
Farm Loans 0.00

Deposit Rates - March 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1 - Learn MoreShow Less
Premium Money Market Account
0.15% $100 $25,000 Learn MoreShow Less
Premium Money Market Account
0.20% $25,001 $100,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.40% $1,000 - Learn MoreShow Less
6 Mo CD
0.45% $1,000 - Learn MoreShow Less
12 Mo CD
0.90% $1,000 - Learn MoreShow Less
24 Mo CD
1.10% $1,000 - Learn MoreShow Less
36 Mo CD
1.25% $1,000 - Learn MoreShow Less
48 Mo CD
1.35% $1,000 - Learn MoreShow Less
60 Mo CD
1.60% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.30% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.30% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - March 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Denali State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.560% 4.560% 0.00 $0 $1,276 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to Denali State Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Denali State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Denali State Bank Locations


Financial Details

Denali State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Denali State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Denali State Bank U.S. Bank Average
10.57% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Denali State Bank had $1,365,000 in non-current loans and $1,965,000 in owned real estate. To cover these potential losses it had $28,578,000 in equity and $2,939,000 in loans loss reserves. That gives it a Texas Ratio of 10.57%.

Return on Equity
Denali State Bank U.S. Bank Average
9.06% 9.95%

Denali State Bank has a Return on Equity of 9.06% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Denali State Bank U.S. Bank Average
9.81% 12.19%

Denali State Bank has a Capitalization of 9.81% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Denali State Bank Balance Sheet Analysis

As of September 30, 2018, Denali State Bank had assets of $291,407,000, loans of $169,890,000, and deposits of $261,086,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.17 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.26 billion
LIABILITIES
Total deposits $0.26 billion
      Interest-bearing deposits $0.15 billion
      Deposits held in domestic offices $0.26 billion
      % insured (estimated) 74.62%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.26 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Denali State Bank

Branches and Savings

Is Denali State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26530.

Why does Denali State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Denali State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Denali State Bank a commercial bank?

Yes

Where are Denali State Bank locations?

See branch locations nearby.

Is Denali State Bank open on Saturdays?

Is Denali State Bank open on Sundays?

What time does Denali State Bank open?

What time does Denali State Bank close?

Are Denali State Bank ATMs Open 24/7?

Do Denali State Bank ATMs accept cash deposits?

Can Denali State Bank customers use other ATMs?

Do Denali State Bank branches have notaries?

Will Denali State Bank notarize my document?

What address for Denali State Bank should I put for incoming ACH transfers?

Will the Denali State Bank branch print checks?

Do Denali State Bank checks expire?

Does Denali State Bank require US citizenship to open account?

Can Denali State Bank close my account?

Does Denali State Bank Report to credit bureaus?

Does Denali State Bank Use Equifax?

What is Denali State Bank's ACH Routing Number?

What is Denali State Bank's SWIFT code?

Products

Does Denali State Bank offer mortgages?

Compare mortgage rates here.

Does Denali State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Denali State Bank offer personal loans?

Compare personal loan rates here.

Does Denali State Bank offer student loans?

Will Denali State Bank cash a check?

Will Denali State Bank redeem a savings bond?

Does Denali State Bank cash savings bonds?

Will Denali State Bank cash money orders?

Can Denali State Bank issue a money order?

Does Denali State Bank do currency exchange?

Background on The Bank

Who owns Denali State Bank?

How long has Denali State Bank been around?

Can Denali State Bank transfer to other banks?

Does Denali State Bank have quick pay?

Does Denali State Bank accept rolled coins?

Will Denali State Bank accept loose change?

Where is Denali State Bank headquarters?

Customer Reviews for Denali State Bank

There are currently no comments for Denali State Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →