PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.82%Q2 ’244.20%Q2 ’254.12%Q2 ’26+24%-1%

Non-interest income vs. expense

2.54%Q2 ’242.85%Q2 ’252.97%Q2 ’26+14%+4%

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 0.77%, down 11 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 1.18% of loans (+21 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.77%-11 bps YoY

Net Interest Margin (quarter, annualized)

3.33%-3 bps YoY

Efficiency Ratio (quarter, annualized)

76.82%+309 bps YoY

Tier 1 Leverage Ratio

18.85%+54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.87%0.96%0.62%0.77%-11 bps
Return on Equity5.74%5.62%6.05%3.83%4.67%-107 bps
Net Interest Margin3.37%3.36%3.55%3.29%3.33%-3 bps
Efficiency Ratio73.72%73.64%71.04%80.11%76.82%+309 bps
Non-Interest Burden2.35%2.32%2.37%2.55%2.44%+9 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 / Loans0.09%0.00%0.00%0.06%0.00%-9 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