# MT MCKINLEY BANK
FAIRBANKS, AK · FDIC certificate 19525 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $635.2M | |
| Deposits | $523.7M | |
| Loans and leases | $291.4M | |
| Total equity | $105.1M | |
| Loans / deposits | 54.78% (p9 of band) | 82.04% |
| Liquid assets / assets | 47.06% (p90 of band) | |
| Uninsured deposits / deposits | 19.02% (p25 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.85% (p96 of band) | 10.81% |
| Unrealized securities loss / equity | -34.97% (p10 of band) | -8.10% |
| AOCI / equity | -0.31% (p53 of band) | |
| ROA (annualized) | 0.69% (p17 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 78.44% (p87 of band) | |
| Noncurrent loans | 1.18% (p77 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | 132.80% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 42.13% (p49 of band) | |
| Auto loans | $1.3M (0.46% of loans; DQ 0.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2017-06 | 5 | deposits shrinking, assets shrinking |  |
| 2017-09 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2017-12 | 1 | capital falling | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 1 | charge-offs p90 | capital falling, noncurrent p90 |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 3 | capital falling | noncurrent p90, reserve under noncurrent |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2023-09 | 5 | reserve under noncurrent, deposits shrinking |  |
| 2023-12 | 4 | capital falling | reserve under noncurrent, deposits shrinking |
| 2024-03 | 1 |  | noncurrent p90, uninsured deposits leaving, capital falling |
| 2024-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-12 [New CEO, Leadership at Mt. McKinley Bank - Alaska Business Magazine](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOSG5zdFZoNFZxUmxZWUdpSmlIVEpvSjZBZGdENmJJZTM4Snl4VVVfTFYta0lRRHZDeVl0Vk5rRENia2lncVlySXA5WTFrX2h1akpkaTVTUUpwVU43YS1mUnEwZi1ocXJ6RDZCTlc1cmhFWkZBV1ljclA1Z0E3eENNNG9DeHBnd01k?oc=5) · Alaska Business Magazine
- 2026-05-10 [Mt. McKinley Bank transitions leadership for continued growth - Fairbanks Daily News-Miner](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNUTRwdjhMLWVGa2lVbzdiRXVaUk5UNEVqaExud01sTXRJWVVYV1FVa3NIWVhCeDZka21oWW94c196ek1FNFJScm9KTFVfUG1PbEduak82RUNXMUswMG1jZHJJNFhIUXVHT1dGaVNDRXBSOGJnVm1LZ2lESUFEWEp4UTJsQUF2ODV0dE53UEhHS1g3bUJrdmFQUUxqQ09QZHhoNHRpakJ4NFlyS2ppb3RtUC1OV24za1JVZHZ6WGJKQUhRWldUMndSVG44cVZPbnBZVnREUkt5TUdleDRFMEE?oc=5) · Fairbanks Daily News-Miner
- 2025-11-16 [Nanooks Fall to The Master’s in Final Game of Mt. McKinley Bank North Star Invitational - University of Alaska Fairbanks Athletics](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNVmtiQ20zM2EtUVVWeE9JRklaRVVYaWh0VV9relZqUktFVHV2cl85b1hoWG85V1hNLVVWbHRqemRfWGwxNzExczRndUJnZ3A5T2dncG9SNm94TnlGOS1nMUJTZFFSMjI3bG5pV0Y4TWMyTVRmNG1fWkJpQ0RzaVk3Q0dlcEtKaUhwd0lEdEVYV1UzYWtRVGRGMGRpN0ZoZ2RGS0JVWVFxYmR1MGdOakxaaEpTVGhmNFEwdTdnYm1WMlJOZzVURFQ3UUI5RERwcHJxZkQ1WVh5LWhTMWplTC0xdTNocUs?oc=5) · University of Alaska Fairbanks Athletics
- 2025-11-07 [Leadership Promotions and Additions at Mt. McKinley Bank - Alaska Business Magazine](https://news.google.com/rss/articles/CBMinwFBVV95cUxPSkIxbHhLODhXN2FJUWxPdFgzY0plUkNEaVJPeE9nek5DQ0J1aEpvWU1JR2NkQWhRbXRBMlRvSEJJMGsxRmdqdDZEbzZfX2FIZDJCeHRXcU10SXViSnhzcHFQYTdoTHNyMWxoYm5UMzdMOUhkS0pGNnptZmVHZFU2YU81cDF6WjVhQXdnVE1yY29IWnF3cGlBcHdCYkhTekE?oc=5) · Alaska Business Magazine
- 2025-05-21 [Alaska Nanooks and Mt. McKinley Bank Launch Exclusive Co-Branded Visa Debit Card - University of Alaska Fairbanks Athletics](https://news.google.com/rss/articles/CBMizgFBVV95cUxONmlkaWJPZkNOZGVZNHdCSjRIWTVfRUZPYUUzeklsRXFjSWwwdFpJMG1mY01EaGs0dVcwSUZJMTVTTUJSVnNia0pYMWg0ZnlPQlhhQlNkUkpIMGZudjN0UjBjVFdYZl92SWNFbUxycm9FZ0U1MW5qODhvR3JJczNqUTZULWxCN0ljbkNjejFOVFpGQ2prdzV0S1dLLUpIc09PTlJsdXFMV21qS1dTbWdxR3pNdDkyV1gxRkE5cXNFZ09xZHJVRk9JQnhwdzg1Zw?oc=5) · University of Alaska Fairbanks Athletics
- 2024-11-14 [Nanooks to Host Mt. McKinley Bank North Star Invitational This Weekend - University of Alaska Fairbanks Athletics](https://news.google.com/rss/articles/CBMizwFBVV95cUxNbVROXzlRU2ZDRkdVT3hJSzU2cmRFN0xMRmtUVEk1MURjM0tMUHdjMGxPQk1hVDVVU2xINEFIekM5V3BkZk1EU0VMWWZ2MlhWeXdyTkFfRkM0OEl4NVBFMTNBZU83RWtFdUlIbEhmV3hVSDZKQlBCd2QxNlVlVFlLRlJjQUxuajBGMFBuSFJXMlhlWEtIWXI4ZE93dDlfbUV5ak9KTjlRc3NWM3R3NXJoNFVURXRSTUQxNTVodnVFQmZJTENaaGd3VEdlZUdXZU0?oc=5) · University of Alaska Fairbanks Athletics
- 2024-02-06 [Mt. McKinley Bank Promotes Two Execs - Alaska Business Magazine](https://news.google.com/rss/articles/CBMihAFBVV95cUxQdVJ3a0lkbkxfTXVkSTVCcXhQTmczS0tyUWlhd21HX0RvMVVVcmdyVE00NzJfTkhEdVVnS3hmSW1IeWNuV3BhdmNla20wbTlSYTFMYV9aVlNzQTZjRzQzYTYzX3dKcDZKTk9sVi1TVng4WUNicnVLdHJmODhZSmFfdW5HX04?oc=5) · Alaska Business Magazine
- 2024-01-18 [Postal carrier arrested for stealing, cashing checks from mail in Anchorage - Must Read Alaska](https://news.google.com/rss/articles/CBMipAFBVV95cUxObnB4ZDhjRDRaZjJpQ2N6YmhnVzR0MGNCcVBKMEwybUJ4aHB5cnJjSDludk45dUpPblFxWlpMRHFNYnJCdzdOUVp4VXYxcTY5UU1IM25UVXJQVjhIQkJCZFJXd3hJcXcyN2dHNk9YbHRnQnlEeUFRaVpzaFczYWlvdzI5RGl4UERsSTlJY3RITXI1ZnFMdWx3RmJhZHRrc3diX0pEZQ?oc=5) · Must Read Alaska

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19525 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "19525", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide