FDIC Cert #19525 · Fairbanks, Alaska · Est. 1965

Mt. McKinley Bank - FDIC Bank Health Profile

A community-scale look at Mt. McKinley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$641M
Total assets
B
Health grade · Good
0.84%
Return on assets
18.4%
Tier 1 capital

Data updated July 2026

The verdict

Mt. McKinley Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 18.40% Tier 1, 0.84% ROA, 74% efficiency ratio.

#1,484
largest of 4,313 FDIC banks by assets
66th
percentile by asset size, nationally
18.40%
Tier 1 ratio - above the 10% well-capitalized line
32nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 19525 · AK B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2183/4307
  • PHOTO-FINISH BAC Community Bank · CA
  • TIER1-WELL 18.4% Tier 1
  • TEXAS-CLEAN 2.3% Texas
  • ROA-PAR 0.84% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alaska: BAC Community Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Mt. McKinley Bank

Lowest and highest poles plus nearest scored peers outside Alaska, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BAC Community Bank · CA · ne…78/100Legacy Bank · VA · near78/100Mt. McKinley Bank · AK · thi…78/100Plaquemine Bank & Tr… · LA ·…78/100Texas Exchange Bank · TX · n…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Mt. McKinley Bank · July 2026

Plate reading for Mt. McKinley Bank where failures stay rare

Mt. McKinley Bank (FDIC Cert #19525) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,183 of 4,307. Tier 1 capital prints at 18.40%, clearing the 10% well-capitalized line. The Texas Ratio is 2.34%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.84%. Balance-sheet scale is $641M, 1,484th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is BAC Community Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Mt. McKinley Bank

Zero FAILURE resolutions in Alaska since 2000

Mt. McKinley Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • ALLIANCE BANK ANCHORAGE, AK 1989 → NATIONAL BANK OF ALASKA
  • FIRST FEDERAL BANK OF ALASKA ANCHORAGE, AK 1989 → FIRST NB OF ANCHORAGE
  • HOME SAVINGS BANK ANCHORAGE, AK 1989 → SECURITY PACIFIC BANK AK, N

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alaska banks.

How Mt. McKinley Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Mt. McKinley Bank's composite health score
Tier 1 Capital Ratio (18.40%) 40/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (2.34%) 20/20
Efficiency Ratio (74.49%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$641M

Total balance-sheet footings

Total Deposits

$530M

Customer-funded liabilities

Net Loans

$272M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17% 18.4% 19.8%
Basel III capital ratios - Mt. McKinley Bank

Where Mt. McKinley Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mt. McKinley Bank's score of 78/100 falls in the highlighted band.

Mt. McKinley Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Mt. McKinley Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Mt. McKinley Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Mt. McKinley Bank's $641M falls in the highlighted band.

Safety metrics: Mt. McKinley Bank

Tier 1 capital ratio
Well-capitalized 10%

18.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.40%
Texas Ratio
2.34%
Equity Capital
$103M

What these ratios mean →

Profitability metrics: Mt. McKinley Bank

Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
5.44%
Efficiency Ratio
74.49%

What these mean →

Income & expense at Mt. McKinley Bank

$27M
Interest Income
$3M
Non-Interest Income
$19M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Mt. McKinley Bank reports a Texas Ratio of 2.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Mt. McKinley Bank on FDIC BankFind →

Top banks in Alaska by total assets

Largest banks headquartered in Alaska
  1. 1
    First National Bank Alaska $5.1B

    Anchorage, AK · Grade A

  2. 2
    Northrim Bank $3.3B

    Anchorage, AK · Grade A

  3. 3
    First Bank $882M

    Ketchikan, AK · Grade A

  4. 4
    Mt. McKinley Bank $641M

    Fairbanks, AK · Grade B

  5. 5
    Denali State Bank $513M

    Fairbanks, AK · Grade A

Top 5 banks in Alaska ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($641M here), outside Alaska so the neighborhood is not state containment.

PS Bank $641M · PA Citizens State Bank $640M · NE MidAmerica National Bank $640M · IL Phoenixville Federal Bank and Trust $641M · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mt. McKinley Bank (FDIC Cert #19525) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Mt. McKinley Bank Call Report profile · FDIC Failed Bank List · Alaska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alaska

All Alaska banks →
BankAssetsGradeROA
First National Bank AlaskaAnchorage $5.1B A 1.54%
Northrim BankAnchorage $3.3B A 1.80%
First BankKetchikan $882M A 1.24%
Denali State BankFairbanks $513M A 1.64%