1 star ratingAverage User Rating:
1 star rating based on 1 review.

Denali State Bank

Denali State Bank Locations
119 North Cushman Street
Fairbanks, AK 99701
907-456-1400
www.denalistatebank.com

Denali State Bank is headquartered in Fairbanks and is the 5th largest bank in the state of Alaska. It is also the 2,413st largest bank in the nation. It was established in 1986 and as of September of 2011, it had grown to 83 employees at 5 locations. Denali State Bank has a 4-star health rating.

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1.26% Reward Checking at Denali State Bank in Alaska - 1/23/2009

Denali State Bank is offering a reward checking account called Xtreme Checking that pays 1.26% APY on balances up to $25,000 (0.50% for above) and refunds ATM fees if at least 10 debit card purchases a month are done. Some downsides compared to the...



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See Rates for: Checking | Savings | Money Market | CD | IRA

Denali State Bank Checking Account Rates

ApyMinMaxProduct
1.26%-$25kExtreme Checking
0.05%--Classic Gold Checking
0.05%--Business Checking
0.05%--Denali Investor Checking

Denali State Bank Savings Account Rates

ApyMinMaxProduct
0.10%$100-Personal Savings
0.10%$100-Minor Savings
0.10%$100-Senior Savings
0.10%$100-Business Savings
0.10%$100-MAX Savings

Denali State Bank Money Market Rates

ApyMinMaxProduct
0.30%$250k-Personal Tiered Money Market Savings
0.30%$250k-Business Tiered Money Market Savings
0.10%$100-Personal Money Market Savings
0.10%$100-Business Money Market Savings

Denali State Bank CD Rates

ApyMinMaxProduct
1.45%$500-5 Year CD
1.15%$500-4 Year CD
0.90%$500-3 Year CD
0.50%$500-2 Year CD
0.45%$1k-24 Month Smart Step CD
0.40%$1k-18 Month Smart Step CD
0.30%$500-12 Month CD
0.25%$1k-12 Month Smart Step CD
0.20%$500-90 Day CD
0.20%$500-182 Day CD
0.10%$500-14 Day CD
0.10%$500-30 Day CD
0.10%$500-60 Day CD

Denali State Bank IRA Rates

ApyMinMaxProduct
1.26%$100-3 Year IRA
1.26%$100-3 Year Roth IRA
1.26%$100-3 Year CESA
1.16%$100-2 Year IRA
1.16%$100-2 Year Roth IRA
1.16%$100-2 Year CESA
1.11%$100-18 Month IRA
1.11%$100-18 Month Roth IRA
1.11%$100-18 Month CESA
1.05%$100-12 Month IRA
1.05%$100-12 Month Roth IRA
1.05%$100-12 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


Denali State Bank
FDIC Certificate #26530
BankRate ReportView
Year Established1986
Employees83
Primary RegulatorFDIC

Assets and Liabilities

Assets$263.88 million
Loans$152.80 million
Deposits$236.95 million
Equity Capital$22.89 million
Loan Loss Allowance$2.53 million
Unbacked Noncurrent Loans$887,000
Real Estate Owned$214,000

Historic Data - September 2010

Assets$257.94 million
Equity Capital$20.85 million
Loan Loss Allowance$1.99 million
Unbacked Noncurrent Loans$677,000
Real Estate Owned$408,000

Profit Margin - Quarterly

Net Interest Margin4.35%
Return on Assets0.9%
Return on Equity10.81%
Interest Income$8.66 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Denali State Bank had $1.1 million in non-current loans and owned real-estate with $25.42 million in equity and loan loss allowances on hand to cover it. This gives Denali State Bank a Texas Ratio of 4.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Denali State Bank held steady from 4.54% as of September 30, 2010 to 4.33% as of September 30, 2011, resulting in a positive change of 4.66%.This indicates that the balance sheet and financial strength for Denali State Bank has held steady in recent periods.
Deposit Growth3
In the past year, Denali State Bank has increased its total deposits by $1.72 million, resulting in 0.73% 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 average.
Capitalization3
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 $263.88 million in assets with $25.42 million in equity, resulting in a capitalization level of 9.63%, which is average.
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Not A Fan - Born And Raised In Fairbanks But This Bank Seems To Be Corporate And Not Golden Heart!
1 stars - PioneerFamily - Tuesday, November 1, 2011 - 7:41 PM

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

 

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