BlastPoint's Banking Scorecard

Mt. McKinley Bank

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

Designations: ✓ Mutual

Fairbanks, AK

5 branches across AK

2664 banks in the $100M-$1B peer group nationally 3 in AK

Mt. McKinley Bank has 1 strength but faces 3 concerns

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

+ Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 19.6% in tier
- ROA 0.65% below tier average
- Net Interest Margin 0.22% below tier average

Get updates when Mt. McKinley Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Total Assets ?	$631.5M +3.1% YoY -1.4% QoQ	+$245.4M	$386.1M +0.5% YoY	$2.1B +4.4% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$275.8M +13.3% YoY +1.4% QoQ	+$20.1M	$255.7M +1.1% YoY	$1.2B +6.9% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$521.9M +1.8% YoY -1.6% QoQ	+$193.9M	$328.0M +0.1% YoY	$1.7B +3.2% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	0.62% -3.5% YoY -25.9% QoQ	-0.65%	1.27% +12.9% YoY	1.32% +1.2% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.71% +3.6% YoY -2.6% QoQ	-0.22%	3.93% +6.0% YoY	4.34% +3.3% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	80.11% -0.1% YoY +7.5% QoQ	+14.82%	65.29% -4.5% YoY	64.71% +1.0% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	0.52% -58.4% YoY -43.9% QoQ	-0.37%	0.89% +18.8% YoY	0.75% +55.4% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	52.85% +11.2% YoY +3.0% QoQ	-23.79%	76.64% +0.8% YoY	65.04% +3.3% YoY	76.70% +0.9% YoY	Top 11.8% in tier
Non-Interest-Bearing Deposit Share ?	25.73% -4.4% YoY -4.4% QoQ	+3.71%	22.02% -1.0% YoY	34.90% -0.4% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.26% -50.9% YoY -38.9% QoQ	-0.38%	0.64% +19.7% YoY	0.51% +90.8% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	18.64% +4.0% YoY +1.3% QoQ	+2.81%	15.83% +1.5% YoY	17.58% +2.3% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.12% -9.5% YoY -77.7% QoQ	-0.16%	0.28% +9.3% YoY	0.17% +3.3% YoY	0.32% +4.1% YoY	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Efficiency Drag

risk

#82 of 414 • Bottom 19.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.11%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

316

Loan-to-Deposit Ratio

liquidity

Value: 52.85%

Peer Median: 76.64%

#316 of 2664 Top 11.8% in $100M-$1B

448

Tier 1 Capital Ratio

capital

Value: 18.64%

Peer Median: 15.83%

#448 of 2664 Top 16.8% in $100M-$1B

460

Total Assets

size

Value: $631.47M

Peer Median: $386.08M

#460 of 2664 Top 17.2% in $100M-$1B

493

Total Deposits

size

Value: $521.91M

Peer Median: $327.97M

#493 of 2664 Top 18.5% in $100M-$1B

Top Weaknesses (2 metrics)

2252

Efficiency Ratio

profitability

Value: 80.11%

Peer Median: 65.29%

#2252 of 2664 Bottom 15.5% in $100M-$1B

2212

Return on Assets

profitability

Value: 0.62%

Peer Median: 1.27%

#2212 of 2664 Bottom 17.0% in $100M-$1B