Bank · FDIC insured
Denali State Bank
A $522.6M bank headquartered in Fairbanks, AK, with 5 branches in Alaska. Best rates: CDs 3.80% APY.
Denali State Bank Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#5 of 9 in Fairbanks, AK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Denali State Bank
Founded in 1986, Denali State Bank is a full-service community bank based in Fairbanks, Alaska.
The bank was established on the belief that financial decisions should be made locally in Fairbanks and focuses on serving Interior Alaska.
Denali State Bank operates 5 branches to serve customers across the region.
- Headquarters
- 119 N Cushman St, Fairbanks, AK 99701
- FDIC certificate
- 26530 ↗
Branches
5 branches in Alaska
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Alaska
5 branches
Fairbanks area · 4
- Denali State BankMain office119 N Cushman St, Fairbanks, AK 99701Directions
- Chena Pump Branch470 Chena Pump Rd, Fairbanks, AK 99709Directions
- Golden Heart Branch1989 Airport Way, Fairbanks, AK 99701Directions
- Van Horn Branch975 Van Horn Rd, Fairbanks, AK 99701Directions
Tok area · 1
- Tok Branch1314 Alaska Hwy, Tok, AK 99780Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.65% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.02% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.47% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio11.65%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.02%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.47%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Denali State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.