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Mt. McKinley Bank

$100M-$1B Specialty: Commercial AK FDIC cert 19525

Designations: ✓ Mutual

Fairbanks, AK

5 branches across AK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 3 in AK.
  • Deposits +0.9% year over year ($523.7M on the books).
  • Delinquency rate 1.20%.
  • Return on assets 0.69%.
  • Efficiency ratio 78.44% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 3 in AK
View $100M-$1B leaderboard (AK) →

Mt. McKinley Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 31.4% in tier
  • - Credit Risk Growth: Bottom 42.6% in tier
  • - ROA 0.63% below tier average
  • - Net Interest Margin 0.25% below tier average
  • - Efficiency Ratio 13.96% above tier average
Get updates when Mt. McKinley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Total Assets ? $635.2M
+1.6% YoY +0.6% QoQ
+$248.7M $386.6M
+1.2% YoY
$2.1B
+3.8% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $286.9M
+8.3% YoY +4.0% QoQ
+$28.5M $258.3M
+1.7% YoY
$1.3B
+7.1% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $523.7M
+0.9% YoY +0.3% QoQ
+$197.0M $326.7M
+0.7% YoY
$1.7B
+2.9% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 0.69%
-8.6% YoY +11.6% QoQ
-0.63% 1.32%
+10.8% YoY
1.40%
+4.6% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.74%
+0.6% YoY +0.6% QoQ
-0.25% 3.99%
+5.0% YoY
4.41%
+3.3% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 78.44%
+2.1% YoY -2.1% QoQ
+13.96% 64.48%
-3.2% YoY
63.17%
+0.4% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 1.20%
+22.0% YoY +131.5% QoQ
+0.28% 0.92%
+15.7% YoY
0.93%
+32.1% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 54.78%
+7.3% YoY +3.6% QoQ
-23.18% 77.95%
+1.0% YoY
65.65%
+3.9% YoY
79.03%
+2.3% YoY
Top 12.3% in tier
Non-Interest-Bearing Deposit Share ? 25.44%
-5.3% YoY -1.1% QoQ
+3.41% 22.03%
-0.6% YoY
35.63%
-0.5% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.58%
+12.2% YoY +121.3% QoQ
-0.09% 0.67%
+16.4% YoY
0.61%
+37.8% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 18.85%
+3.0% YoY +1.1% QoQ
+2.94% 15.91%
+1.4% YoY
17.83%
+1.8% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.26%
-0.9% YoY +114.3% QoQ
-0.31% 0.57%
+7.6% YoY
0.35%
+1.2% YoY
0.66%
+5.2% YoY
64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Noninterest-Bearing 25.4%
-1.4pp YoY
-0.3pp QoQ
 +3.3pp 22.1% 35.6% 22.2% 67%
Brokered Deposits n/a n/a 7.9% 1.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
C&I 25.9%
-1.8pp YoY
+1.2pp QoQ
 +14.4pp 11.6% 20.3% 12.5% 94%
CRE 60.8%
+3.6pp YoY
-1.6pp QoQ
 +21.3pp 39.5% 59.9% 41.4% 85%
1-4 Family 13.0%
-1.7pp YoY
+0.4pp QoQ
 -19.6pp 32.6% 13.6% 31.3% 16%
Consumer 1.2%
-0.2pp YoY
+0.1pp QoQ
 -2.9pp 4.1% 4.5% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.6% 19.7% n/a
Leverage Ratio 18.9%
+0.5pp YoY
+0.2pp QoQ
 +6.7pp 12.2% 12.6% 12.6% 95%
Total Capital Ratio n/a n/a 19.9% 18.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Full-Time Employees 89
0 YoY
-2 (-2.2%) QoQ
 +30 58 294 482 82%
Assets per Employee ($) $7.1M
+1.6% YoY
+2.9% QoQ
 -$381K $7.5M $7.0M $8.8M 55%
Branch Count 5
0 YoY
0 QoQ
 0 4 13 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 1.2%
+0.2pp YoY
+0.7pp QoQ
 +0.3pp 0.9% 1.2% 1.0% 76%
Allowance Coverage 1.33x
-23.9% YoY
-58.5% QoQ
 -22.83x 24.15x 16.52x 20.23x 36%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
ROE 4.2%
-0.8pp YoY
+0.4pp QoQ
 -7.9pp 12.2% 13.1% 11.6% 11%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.1% 1.7% 7%
Net Income ($, YTD) $2.2M
-6.6% YoY
— QoQ
 -$351K $2.6M $17.3M $40.4M 56%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#167 of 529 • Bottom 31.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.69%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Risk Growth

risk
#400 of 936 • Bottom 42.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

326
Loan-to-Deposit Ratio
liquidity
Value: 54.78%
Peer Median: 77.95%
#326 of 2643 Top 12.3% in $100M-$1B
434
Tier 1 Capital Ratio
capital
Value: 18.85%
Peer Median: 15.91%
#434 of 2643 Top 16.4% in $100M-$1B
447
Total Assets
size
Value: $635.23M
Peer Median: $386.57M
#447 of 2643 Top 16.9% in $100M-$1B
471
Total Deposits
size
Value: $523.71M
Peer Median: $326.73M
#471 of 2643 Top 17.8% in $100M-$1B

Top Weaknesses (3 metrics)

2233
Efficiency Ratio
profitability
Value: 78.44%
Peer Median: 64.48%
#2233 of 2643 Bottom 15.6% in $100M-$1B
2147
Return on Assets
profitability
Value: 0.69%
Peer Median: 1.32%
#2147 of 2643 Bottom 18.8% in $100M-$1B
2001
Delinquency Rate
credit_quality
Value: 1.20%
Peer Median: 0.92%
#2001 of 2633 Bottom 24.0% in $100M-$1B
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