Denali State Bank

119 North Cushman Street
Fairbanks, AK 99701

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 1.00% 2.25% →
2-Year CD 1.20% 2.30% →
5-Year CD 1.60% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Denali State Bank is an FDIC insured institution located in Fairbanks, AK. It was founded in 1986 and has approximately $0.3 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 26530
Date Established 1986
Assets $0.30 billion
Loans $0.19 billion
Deposits $0.27 billion
Capital $0.03 billion

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.

Deposit Rates - January 22, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $100 $25,000 Learn MoreShow Less
Money Market
0.20% $25,001 $100,000 Learn MoreShow Less
3 Mo CD
0.40% $1,000 - Learn MoreShow Less
6 Mo CD
0.45% $1,000 - Learn MoreShow Less
12 Mo CD
1.00% $1,000 - Learn MoreShow Less
24 Mo CD
1.20% $1,000 - Learn MoreShow Less
36 Mo CD
1.50% $1,000 - Learn MoreShow Less
48 Mo CD
1.50% $1,000 - Learn MoreShow Less
60 Mo CD
1.60% $1,000 - Learn MoreShow Less

Fixed IRA
1.41% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.41% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - January 22, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.405% 3.375% 0.38 $945 $1,106 Learn More
American Federal Mortgage Corp.
NMLS ID: 2756
License#: 2612
3.632% 3.625% 0.13 $210 $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.514% 3.500% 0.13 $438 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info

Note to Denali State Bank
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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.

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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 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
12.2% 6.70%

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, 2019, Denali State Bank had $2,227,000 in non-current loans and $2,069,000 in owned real estate. To cover these potential losses it had $31,954,000 in equity and $3,254,000 in loans loss reserves. That gives it a Texas Ratio of 12.2%.

Return on Equity
Denali State Bank U.S. Bank Average
9.58% 9.72%

Denali State Bank has a Return on Equity of 9.58% versus the BestCashCow average of 9.72%. 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.

Denali State Bank U.S. Bank Average
10.49% 12.89%

Denali State Bank has a Capitalization of 10.49% versus the BestCashCow average of 12.89. 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, 2019, Denali State Bank had assets of $304,671,000, loans of $186,320,000, and deposits of $269,836,000. 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, 2019
Cash & Balances due from depository institutions $0.03 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 $0.19 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 $0.27 billion
Total deposits $0.27 billion
      Interest-bearing deposits $0.15 billion
      Deposits held in domestic offices $0.27 billion
      % insured (estimated) 73.15%
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 $0.27 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2019
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

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 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.55
Credit Card Loans 0.00
Consumer Auto Loans 7.38
Small Business Loans 13.40
Construction and Development Loans 4.74
Commercial Real Estate 39.26
Commercial and Industrial Loans 24.45
Farm Loans 0.00

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?


Where are Denali State Bank locations?

See branch locations nearby.

Is Denali State Bank open on Saturdays?

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Are Denali State Bank ATMs Open 24/7?

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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?

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Does Denali State Bank Use Equifax?

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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?

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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?

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Will Denali State Bank accept loose change?

Where is Denali State Bank headquarters?

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