# DENALI STATE BANK
FAIRBANKS, AK · FDIC certificate 26530 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. 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 | $522.6M | |
| Deposits | $458.7M | |
| Loans and leases | $376.4M | |
| Total equity | $56.3M | |
| Loans / deposits | 80.26% (p46 of band) | 82.04% |
| Liquid assets / assets | 24.92% (p50 of band) | |
| Uninsured deposits / deposits | 28.12% (p59 of band) | 25.97% |
| Brokered deposits | 0.96% | |
| Wholesale funding | 1.05% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.65% (p64 of band) | 10.81% |
| Unrealized securities loss / equity | -12.28% (p38 of band) | -8.10% |
| AOCI / equity | -0.33% (p51 of band) | |
| ROA (annualized) | 1.47% (p62 of band) | 1.28% |
| Net interest margin | 5.31% (p97 of band) | 3.91% |
| Efficiency ratio | 60.48% (p47 of band) | |
| Noncurrent loans | 2.02% (p88 of band) | 0.43% |
| Net charge-offs (annualized) | 0.13% (p87 of band) | |
| Reserve coverage of noncurrent | 108.78% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 126.10% (p94 of band) | |
| Auto loans | $50.2M (13.34% of loans; DQ 0.13%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## 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 | 1 | uninsured deposits leaving |  |
| 2012-06 | 2 | brokered >10% |  |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving, brokered >10% |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | brokered >10% | reserve under noncurrent |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 0 |  | brokered >10%, reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 1 | charge-offs p90 | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | capital falling | charge-offs p90 |
| 2020-03 | 1 | charge-offs p90 | capital falling |
| 2020-06 | 0 |  | charge-offs p90 |
| 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 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 0 |  | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | charge-offs p90 |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2025-12 | 2 | construction >100% equity | charge-offs p90, reserve under noncurrent |
| 2026-03 | 3 | charge-offs p90 |  |
| 2026-06 | 1 |  | noncurrent p90, charge-offs p90 |

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

- 2026-09-10 [Volleyball Opens GNAC Play at Home - University of Alaska Fairbanks Athletics](https://news.google.com/rss/articles/CBMingFBVV95cUxQalpiSWlxeHQ2UUZxbHI4ZUNfM0pic3RGQ04tenlSNGRLUWctZnNfYVlOdVRpb1JRMEN4T3E3Ykg5QXV5Y1hfLTZjRng2NG4xNUtqc2otQWNBSG1pT041N243ZmQzNGxlNER4aHJ3eE5icUVoN3g2ZUVJMkg2bmhJRWNYcjV2Szl4WGVqcElxcWVXMnNtTWVLd0tDU1JEdw?oc=5) · University of Alaska Fairbanks Athletics
- 2025-10-28 [Denali State Bank Taps FNBA Exec as New CEO - Alaska Business Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxObVNXWHBQdUI2cHVWNE1OLXBaYW1tcmphVmM3N0NGM3FvbmJzQTZIS28wZml3R1lBU25WR1JHWWtwWnp3TnA1QmZOUTJENGdaMlZMWU5rTWhIekRNWVcyTFlMM0ZlU0dPNzJqeE5GSHU4aUdWcWpxdjdiY2RtZUZidnNCYnFPU2ZFVW03cGU4UQ?oc=5) · Alaska Business Magazine
- 2026-09-06 [UAF falls short in pursuit of tournament title - Fairbanks Daily News-Miner](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPWmtCTFR5c2RKUVZhZHVFVzhTdlZoTW92ZXQ3ZEpDNmYzYlJpVlI2QWIzYW84enNaNDMxcV9zdjQxNmhxSUpHQUlyemRVMHVHOUt4ZlJwRkJySUJ5bkpvTWRyUm95dGdfV1BTY01SWVZ1enlxY0JOSUpzU2NaZktQd1hYRE05QlgtLW9sMVIwelZRT2E2M2k5WXhXQ29NUW1fbmM5aTlvQnpkNWczai00a2FBeURQd3NSdzNoUGxDcGtsSzlxZUlqSQ?oc=5) · Fairbanks Daily News-Miner
- 2026-02-09 [Volleyball Prepares to Host 2026 Denali State Bank Ice Block Classic - University of Alaska Fairbanks Athletics](https://news.google.com/rss/articles/CBMiywFBVV95cUxNWmJJSjltbjAtTmRkRlA4aGEtM2tzZ1pRVDNMUjAwc0VoMkNNMENDQmFHTVVwUkxrU0pYMHB4ZkRKa29CenR2YjZXN0hlUy1YMUs5WUFQc0hNTFdpYTlqM1dCdEZTVXhQRHlUZkhmb2pHRm1pazhRRHlXcHlwQU1WTnljT0FSVUZTR2o4Z3lvWS16RjNYZ1FlbERUaUxxZURfSWMxVV9jdFhTMy1YRDlQUEkxaWpYYjc4bDZnY1Q5Q3BjOFRybldSUUVIcw?oc=5) · University of Alaska Fairbanks Athletics
- 2026-09-03 [For MSU, more travel as Denali Ice Block Classic begins today - MSU Reporter](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMXFiUTg3NXlFalV5WjU2Z1F2NXNFQi1McFdnMzN0UFhQU21mcGlzQ2pBRVlxTVlJY1VicGN0OU1qQjZOVFNoTkdQR0VsQWhOdHJJWlBsazRnN0ZYVDJxN3BqRnF3Q2wyTks0NHFjRmR6cEhJcDh5WHpZRS1jaHBicy1BWE1vN01WXzdad2pKZzgwOTdGR3NFbllzTFBOaWZJUVE?oc=5) · MSU Reporter
- 2025-08-11 [In lawsuit, former employee alleges discrimination, retaliation at Denali State Bank - fm.kuac.org](https://news.google.com/rss/articles/CBMiswFBVV95cUxPVHBIbFdBZnluTl9oVVdRbmM4QUVyVEdwVnFIcnR1UVp0a3BGR0t4bzlmb0xYS0pBanhManI1cWVSTzljdzAzWExZWkgwZWNSdWk5TFZ1ZkRZdnlRVkdhR3psV2R2VnNKTlZDWE41c2E0Vmg5ajdDaENqVDRaeWN4N3g2bjFIdkZqY182UWNGUER6WndjbG9la3pZTlpndTRUY3FRdWtTVFhiQVhQalVUWGZpaw?oc=5) · fm.kuac.org
- 2024-09-10 [Rock set for Denali State Bank Ice Block Classic - Slippery Rock University Athletics](https://news.google.com/rss/articles/CBMisgFBVV95cUxQdzM2RnRKbWF1WEVsRld0bHpGU3dYZ3RnNWlNakl5Z0FNZnB1RWRCakg4VjFJWWxib0dNdWQxOUh3MU9Da2dWN214TXVTaVlHdVpSUWxxUDE0ZFNUcGM1NTNtRkY1UjI5ckdrZUJtUy1xLXE5ZTBoTW9xdlhGRTJBdUoyVWVWOWl3bk5TUUZGYk5FeXZFVHpmbjFEUDktVkg5d18yOFo0WjlqMnItVEZZelhR?oc=5) · Slippery Rock University Athletics
- 2025-09-09 [Fellow unbeatens await Seawolves in Fairbanks - Seawolf Athletics](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQSHNKT1BzMVJDbGVZT1pIUWpPVHdiem9zX2ZiM18zc0pncF8xMUt2RV9odjdCZV9xVzRSeWRpZVhvWWs2cU5idkdoNGFIZWNzdk9mRm1SSTk1TF9FdWozN0UzeE1mWDFDZXJGNnNfc2VoY200YXdGdkI5RVNFREllNWJrQm5UWDF6Vk9jQTJERkx4UWVnS091c01JNlRKTnVQdk82b2NkT0JLQQ?oc=5) · Seawolf Athletics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26530 (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/34.json (key "26530", 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