BlastPoint's Banking Scorecard
Mt. McKinley Bank
Community
Specialty: Commercial
AK
FDIC cert 19525
Designations: ✓ Mutual
Fairbanks, AK
1484
banks in Community tier nationally
4 in AK
View Community leaderboard (AK) →
Mt. McKinley Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 31.77% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 26% in Community
- - Flatlined Growth: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$640.7M
+2.0% YoY
+0.2% QoQ
|
-$750.8M |
$1.4B
+2.0% YoY
|
$2.1B
+3.9% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$272.0M
+9.9% YoY
+0.2% QoQ
|
-$703.4M |
$975.5M
+2.4% YoY
|
$1.2B
+9.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$530.3M
+0.0% YoY
-0.3% QoQ
|
-$634.3M |
$1.2B
+1.7% YoY
|
$1.7B
+2.7% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.84%
+13.5% YoY
+5.5% QoQ
|
-0.33% |
1.16%
+17.2% YoY
|
1.41%
+20.1% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.81%
+14.5% YoY
+1.8% QoQ
|
+0.15% |
3.66%
+9.1% YoY
|
4.38%
+11.8% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
74.49%
+2.3% YoY
-1.6% QoQ
|
+11.85% |
62.63%
-5.3% YoY
|
61.88%
-3.2% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.93%
-38.0% YoY
-5.7% QoQ
|
+0.30% |
0.63%
+18.3% YoY
|
0.80%
+31.0% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
51.30%
+9.9% YoY
+0.5% QoQ
|
-31.77% |
83.06%
+0.3% YoY
|
64.31%
+5.5% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.92%
-1.1% YoY
-7.1% QoQ
|
+5.88% |
21.05%
-0.9% YoY
|
35.50%
-0.6% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.43%
-29.9% YoY
-16.6% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.51%
+65.1% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
13.76%
+0.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.53%
-37.6% YoY
+31.8% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.73%
-6.5% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
51.30%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Capital Thin
risk
#115 of 432 · Bottom 26% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#118 of 245 · Bottom 48% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.84%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.30% · Tier avg: 83.06%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.92% · Tier avg: 21.05%
60
60th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.66%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.63%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
20
20th pctile
Total Assets
Current: $640.7M · Tier avg: $1.4B
18
18th pctile
Efficiency Ratio
Current: 74.49% · Tier avg: 62.63%
18
18th pctile
Total Deposits
Current: $530.3M · Tier avg: $1.2B
3
3th pctile
Total Loans
Current: $272.0M · Tier avg: $975.5M
Top Weaknesses
3
3th pctile
Total Loans
Current: $272.0M · Tier avg: $975.5M
18
18th pctile
Total Deposits
Current: $530.3M · Tier avg: $1.2B
18
18th pctile
Efficiency Ratio
Current: 74.49% · Tier avg: 62.63%
20
20th pctile
Total Assets
Current: $640.7M · Tier avg: $1.4B
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
27
27th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
60
60th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.66%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.92% · Tier avg: 21.05%
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.30% · Tier avg: 83.06%