Mt. McKinley Bank


500 Fourth Ave
Fairbanks, AK 99701
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 1.20% 0.70% →
2-Year CD 1.31% 0.75% →
5-Year CD 1.61% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Mt. McKinley Bank is an FDIC insured institution located in Fairbanks, AK. It was founded in 1965 and has approximately $0.58 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 19525
Date Established 1965
Assets $ 578.41 million
Loans $ 238.33 million
Deposits $ 475.55 million
Capital $ 100.35 million

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

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
1.20% $10,000 - Learn More
24 Mo CD
1.31% $10,000 - Learn More
36 Mo CD
1.46% $10,000 - Learn More
60 Mo CD
1.61% $10,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Mt. McKinley 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 2021

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.339% 3.250%
0.63 points
$2,812 fees
$1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Mt. McKinley Bank
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Financial Details

Mt. McKinley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mt. McKinley 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
Mt. McKinley Bank U.S. Bank Average
1.77% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2021, Mt. McKinley Bank had $1,846,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $100,348,000 in equity and $4,095,000 in loans loss reserves. That gives it a Texas Ratio of 1.77%.

Return on Equity
Mt. McKinley Bank U.S. Bank Average
4.14% 11.43%

Mt. McKinley Bank has a Return on Equity of 4.14% versus the BestCashCow average of 11.43%. 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.

Mt. McKinley Bank U.S. Bank Average
17.35% 11.51%

Mt. McKinley Bank has a Capitalization of 17.35% versus the BestCashCow average of 11.51. 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.

Mt. McKinley Bank Balance Sheet Analysis

As of March 31, 2021, Mt. McKinley Bank had assets of $578,412,000, loans of $238,333,000, and deposits of $475,545,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 60.32 million
Interest-bearing balances $ 56.38 million
Total securities $ 240.93 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 238.33 million
Loan loss allowance $ 4.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 14.76 million
     Total Assets $ 478.06 million
Total deposits $ 475.55 million
      Interest-bearing deposits $ 360.08 million
      Deposits held in domestic offices $ 475.55 million
      % insured (estimated) 76.18%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 2.52 million
      Total Liabilities $ 478.06 million
      Shareholders’ Equity $ 100.35 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 4.02 million
Total Interest Expense $ 0.26 million
Net interest income $ 3.75 million
Provision for loan and lease losses $ 0.21 million
Total non interest income $ 1.27 million
Total non interest expense $ 3.59 million
Pre-tax Net Operating Income $ 1.22 million

Bank Loan Profile?

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

Compared to other banks in Alaska, Mt. McKinley Bank has a significantly higher percent of Multifamily Mortgages 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 14.41
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 0.00
Construction and Development Loans 7.93
Commercial Real Estate 44.29
Commercial and Industrial Loans 28.20
Farm Loans 0.00

Frequently Asked Questions About Mt. Mckinley Bank

Branches and Savings

Is Mt. Mckinley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19525.

Why does Mt. Mckinley Bank pay such low interest on savings accounts?

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

Why are Mt. Mckinley Bank CD rates not competitive?

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

Is Mt. Mckinley Bank a commercial bank?


Where are Mt. Mckinley Bank locations?

See branch locations nearby.

Is Mt. Mckinley Bank open on Saturdays?

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Are Mt. Mckinley Bank ATMs Open 24/7?

Do Mt. Mckinley Bank ATMs accept cash deposits?

Can Mt. Mckinley Bank customers use other ATMs?

Do Mt. Mckinley Bank branches have notaries?

Will Mt. Mckinley Bank notarize my document?

What address for Mt. Mckinley Bank should I put for incoming ACH transfers?

Will the Mt. Mckinley Bank branch print checks?

Do Mt. Mckinley Bank checks expire?

Does Mt. Mckinley Bank require US citizenship to open account?

Can Mt. Mckinley Bank close my account?

Does Mt. Mckinley Bank Report to credit bureaus?

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Does Mt. Mckinley Bank offer mortgages?

Compare mortgage rates here.

Does Mt. Mckinley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mt. Mckinley Bank offer personal loans?

Compare personal loan rates here.

Does Mt. Mckinley Bank offer student loans?

Will Mt. Mckinley Bank cash a check?

Josh77 | Jan 21, 2020

Can someone deposits check via ATM

Will Mt. Mckinley Bank redeem a savings bond?

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Can Mt. Mckinley Bank issue a money order?

Does Mt. Mckinley Bank do currency exchange?

Background on The Bank

Who owns Mt. Mckinley Bank?

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Can Mt. Mckinley Bank transfer to other banks?

Does Mt. Mckinley Bank have quick pay?

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Will Mt. Mckinley Bank accept loose change?

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