Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
119 North Cushman Street
Fairbanks, AK 99701

Denali State Bank is headquartered in Fairbanks and is the 5th largest bank in the state of Alaska. It is also the 2,439th largest bank in the nation. It was established in 1986 and as of March of 2014, it had grown to 91 employees at 5 locations. Denali State Bank has a B+ health rating.

Related Posts

Reviews (1)

Not A Fan - Born And Raised In Fairbanks But This Bank Seems To Be Corporate And Not Golden Heart!

I was born in the St. Josephs hospital over 45 yrs. ago and loved banking there at Denali State Bank- however

recently I was SHOCKED at how I was treated when as a single parent I decided to try to sale on ebay. I linked my Denali account with the paypal service.

Within 3 days I recieved over 200.00 thru paypal. Paypal said the transfer was complete each time I checked to make sure to send the items I sold. The transfer went to Denali State Bank.  Today I see within those 3 days Denali overdrafted me 5 times! The same day the money went in they found a way to make sure I stayed in the Red so they could charge me 28.00 x 5   I am sick about it because all the hard work of taking photos, listing, learning and shipping ended up in a profit they STOLE from me. I contacted them and they accused me of not managing my account-well had they not found a way to make sure they could keep charging and had they chosen to care enough to not exploit my situation they could have but instead they cited policies and were ICE COLD- so I am seeking a Credit Union exclusively from here on out.  I give them a HUGE frown on how I was treated-it brought me to tears-due to my finances and how much we needed the monies- they didn't care at all



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Denali State Bank had $2.35 million in non-current loans and owned real-estate with $28.73 million in equity and loan loss allowances on hand to cover it. This gives Denali State Bank a Texas Ratio of 8.17% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Denali State Bank experienced no significant changes from 8.67% as of March 31, 2013 to 8.17% as of March 31, 2014, resulting in a positive change of 5.76%.This indicates that the balance sheet and financial strength for Denali State Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Denali State Bank has increased its total deposits by $6.09 million, resulting in 2.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Denali State Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Denali State Bank has $264.54 million in assets with $28.73 million in equity, resulting in a capitalization level of 10.86%, which is above average.

Institution Statistics

FDIC Certificate #26530
Year Established1986
Primary RegulatorFDIC
Assets and Liabilities
Assets$264.54 million
Loans$137.23 million
Deposits$236.61 million
Equity Capital$26.10 million
Loan Loss Allowance$2.63 million
Unbacked Noncurrent Loans$1.97 million
Real Estate Owned$380,000
Historic Data - March 2013
Assets$257.24 million
Equity Capital$24.86 million
Loan Loss Allowance$2.30 million
Unbacked Noncurrent Loans$1.97 million
Real Estate Owned$520,000
Profit Margin - Quarterly
Net Interest Margin4.03%
Return on Assets0.72%
Return on Equity7.41%
Interest Income$2.63 million

Always verify rates and promotions with the bank or credit union. We are not Denali State Bank, we are a rate comparison website and can not provide official rates or promotions.

Denali State Bank Savings Account Rates

0.10%$100-Regular Savings

Denali State Bank Money Market Rates

0.20%$250k-Personal Tiered Money Market Savings
0.10%$100-Personal Money Market Savings

Denali State Bank Checking Account Rates

1.26%$100k-Xtreme Checking

Denali State Bank CD Rates

0.30%$500-2 Year CD
0.20%$500-1 Year CD
0.15%$500-182 Day CD

Denali State Bank IRA Rates

0.30%$100-2 Year IRA
0.20%$100-1 Year IRA

Denali State Bank Locations
Denali State Bank119 North Cushman StreetFairbanks, AK 99701
Golden Heart Branch1989 Airport WayFairbanks, AK 99701
Chena Pump Branch470 Chena Pump RoadFairbanks, AK 99709
Van Horn Branch975 Van Horn RoadFairbanks, AK 99707
Tok BranchMile 1314 Alaskan HighwayTok, AK 99780