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Mt. McKinley Bank

Fairbanks, AK · Cert 19525

SI · FDIC · 5 branches

Q2 2026

$635.2MAssets
$291.4MLoans
$523.7MDeposits
$105.1MEquity
Loan mix
74%RE $207.3M24%C&I $68.2M1%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $390.5M25%Noninterest $133.2MQ2 2025Q2 2026

NIM

3.86%Q2 ’244.07%Q2 ’254.10%Q2 ’26+19%+2%

Non-interest income vs. expense

2.58%Q2 ’242.88%Q2 ’252.99%Q2 ’26+12%+5%

Market Position · Fairbanks-College, AK · 2026 SOD (annual) · 23.7% share · #1 of 6 inst. · $0.5B of $2.1B

23.7% Fairbanks North Star
31.0% Southeast Fairbanks

Executive Summary

  • Earnings: ROA of 0.69%, down 7 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 1.18% of loans (+21 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 18.85%, up 54 bps from a year ago.
  • Funding: loans stand at 55.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+7 bps YoY

Efficiency Ratio (YTD, annualized)

78.44%+160 bps YoY

Tier 1 Leverage Ratio

18.85%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.80%0.84%0.62%0.69%-7 bps
Return on Equity5.04%5.22%5.44%3.83%4.25%-79 bps
Net Interest Margin3.25%3.25%3.32%3.29%3.31%+7 bps
Efficiency Ratio76.84%75.72%74.49%80.11%78.44%+160 bps
Non-Interest Burden2.38%2.34%2.34%2.55%2.49%+11 bps
Growth
Asset Growth (YoY)-1.85%-0.28%1.97%3.07%1.56%+342 bps
Loan Growth (YoY)8.30%11.48%9.68%12.97%8.13%-17 bps
Deposit Growth (YoY)-3.00%-0.15%0.02%1.84%0.88%+388 bps
Asset Quality
Nonperforming Loans / Loans0.97%0.97%0.91%0.51%1.18%+21 bps
Net Charge-Offs / Loans0.04%0.03%0.02%0.06%0.03%-2 bps
Allowance / Loans1.69%1.65%1.65%1.63%1.57%-12 bps
Allowance Coverage of NPLs1.7x1.7x1.8x3.2x1.3x-0.4x
Capital
Tier 1 Leverage Ratio18.31%18.25%18.40%18.64%18.85%+54 bps
Total Risk-Based Capital18.31%18.25%18.40%18.64%18.85%+54 bps
Equity / Assets15.25%15.73%16.11%16.33%16.54%+129 bps
Liquidity & Funding
Loans / Deposits51.92%51.90%52.15%53.73%55.65%+373 bps
Liquid Assets / Assets19.12%20.13%20.65%19.19%19.02%-9 bps
CRE / Total Capitaln/a132.32%136.78%140.41%n/an/a