Denali State Bank is headquartered in Fairbanks and is the 5th largest bank in the state of Alaska. It is also the 2,447th largest bank in the nation. It was established in 1986 and as of December of 2013, it had grown to 88 employees at 5 locations. Denali State Bank has a B+ health rating.
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
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 December 31, 2013 Denali State Bank had $2.47 million in non-current loans and owned real-estate with $27.36 million in equity and loan loss allowances on hand to cover it. This gives Denali State Bank a Texas Ratio of 9.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Denali State Bank experienced no significant changes from 9.58% as of December 31, 2012 to 9.03% as of December 31, 2013, resulting in a positive change of 5.74%.This indicates that the balance sheet and financial strength for Denali State Bank has had no significant changes in recent periods.
In the past year, Denali State Bank has increased its total deposits by $1.9 million, resulting in 0.82% 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 $260.85 million in assets with $27.36 million in equity, resulting in a capitalization level of 10.49%, which is above average.
|FDIC Certificate #||26530|
|Assets and Liabilities|
|Equity Capital||$24.76 million|
|Loan Loss Allowance||$2.60 million|
|Unbacked Noncurrent Loans||$2.09 million|
|Real Estate Owned||$380,000|
|Historic Data - December 2012|
|Equity Capital||$24.52 million|
|Loan Loss Allowance||$2.40 million|
|Unbacked Noncurrent Loans||$2.09 million|
|Real Estate Owned||$120,000|
|Profit Margin - Quarterly|
|Net Interest Margin||4.16%|
|Return on Assets||0.69%|
|Return on Equity||7.31%|
|Interest Income||$10.79 million|
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|0.20%||$250k||-||Personal Tiered Money Market Savings|
|0.10%||$100||-||Personal Money Market Savings|
|0.30%||$500||-||2 Year CD|
|0.20%||$500||-||1 Year CD|
|0.15%||$500||-||182 Day CD|
|0.30%||$100||-||2 Year IRA (Traditional,Roth,CESA)|
|0.20%||$100||-||1 Year IRA (Traditional,Roth,CESA)|
|Denali State Bank Locations|
|Denali State Bank||119 North Cushman Street||Fairbanks, AK 99701|
|Golden Heart Branch||1989 Airport Way||Fairbanks, AK 99701|
|Chena Pump Branch||470 Chena Pump Road||Fairbanks, AK 99709|
|Van Horn Branch||975 Van Horn Road||Fairbanks, AK 99707|
|Tok Branch||Mile 1314 Alaskan Highway||Tok, AK 99780|