MT. MCKINLEY BANK

FAIRBANKS, AK · Supervised by FDIC

Est. 1965FDIC #19,525RSSD: FDIC-19525

Outstanding Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.62%

Institution Profile

FDIC BankFind

Website

www.mtmckinleybank.com

Address

500 4th Ave, FAIRBANKS, AK

County

Fairbanks North Star County

Established

December 3, 1965

Total Assets

$631M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$631M

Total Deposits

$522M

Net Loans

$276M

Net Income

$988K

ROA

0.62%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.83%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.62%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.71%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$519M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	175	74.29%	5.71%
2023	196	80.1%	3.57%
2022	291	79.38%	3.78%
2021	387	80.1%	4.39%
2020	565	82.83%	4.42%
2019	258	73.64%	5.81%
2018	252	77.78%	7.54%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2025	Outstanding	Intermediate Small Bank
Mar 2022	Outstanding	Intermediate Small Bank
Dec 2018	Outstanding	Intermediate Small Bank

8 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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