Denali State Bank
Denali State Bank is a community bank founded in 1986 in Fairbanks, Alaska, operating five branches in Fairbanks and Tok to serve individual consumers, small-to-medium businesses, and nonprofits in interior Alaska with retail and commercial deposits, lending, and digital banking.
- Company typePrivate
- Founded1986
- HeadquartersFairbanks, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
Denali State Bank firmographics
Firmographics- Name
- Denali State Bank
- Legal name
- Denali State Bank
- Website
- https://denalistatebank.com
- Company type
- Private
- Founded year
- 1986
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Denali State Bank is a community bank founded in 1986 in Fairbanks, Alaska, operating five branches in Fairbanks and Tok to serve individual consumers, small-to-medium businesses, and nonprofits in interior Alaska with retail and commercial deposits, lending, and digital banking.
- Ownership category
- akta.pro rank
Where Denali State Bank is headquartered
LocationHeadquarters
- HQ city
- Fairbanks
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Denali State Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest rate spreads on loans and mortgages
- Deposit Account Fees: Fees from various account services including money market accounts with minimum balance requirements
- Loan Origination: Revenue from mortgage loans (Peak Mortgage), personal loans, auto loans, RV loans, land loans, home equity loans, and commercial loans
- Credit Card Services: Personal and business credit card services generating interchange revenue
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | 6 Month CD - 3.00% APY |
| Subscription | Monthly | 12 Month CD - 3.15% APY |
| Subscription | Monthly | 18 Month CD - 3.30% APY |
| Usage-based | Monthly | Money Market Account |
| Usage-based | Monthly | Tiered Money Market |
| Subscription | Annual | Traditional and Roth IRA |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Denali State Bank product offering
Product offeringCore offering
Denali State Bank is a full-service community bank providing personal and business deposit accounts, consumer and commercial loans, mortgages, and credit cards through five branch locations in Fairbanks and Tok, Alaska. The bank offers Kasasa-branded checking and savings products, CDs, IRAs, business checking and savings, commercial real estate and construction loans, and digital banking services including online and mobile platforms with Visa debit card infrastructure.
Product overview
Denali State Bank is a community-oriented financial institution offering a comprehensive suite of retail and commercial banking products. The bank operates five branch locations in Fairbanks and Tok, Alaska. Personal banking includes multiple Kasasa-branded checking accounts (Cash, Cash Back, Tunes) plus Classic, Denali, Ultimate, and Gold tiers, along with Savings, Money Market, CDs, and IRAs. Lending products span Personal Loans, Auto Loans, Recreational Vehicle Loans, Land Loans, Home Equity (FLEXLINE HELOC), and Peak Mortgage for home purchases and construction. Business banking encompasses checking accounts, savings, CDs, and lending products including Commercial Real Estate Loans, Construction Loans, Equipment Loans, Lines of Credit, and Term Loans. The bank also offers Digital Banking with mobile check deposit, bill pay, and Visa debit cards. Core digital infrastructure is powered by Kasasa for consumer products and Netteller for online banking. The bank also participates in CDARS for expanded FDIC coverage on large CD balances.
Differentiator
Problem solved
Functional benefit
Brands
- Kasasa: Checking and savings accounts with rewards programs including Kasasa Cash Checking, Kasasa Cash Back Checking, Kasasa Tunes Checking, Kasasa Saver, Kasasa Personal Loans, and Kasasa Auto Loans.
- Peak Mortgage
- FLEXLINE
Companies that use Denali State Bank
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Denali State Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Denali State Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- KasasacoreKasasa provides branded consumer banking products including Kasasa Cash Checking, Kasasa Cash Back Checking, Kasasa Tunes Checking, Kasasa Saver, Kasasa Personal Loans, and Kasasa Auto Loans. These are reward-based checking and savings accounts plus digital lending products.
- CDARS (Certificate of Deposit Account Registry Service)coreCDARS enables FDIC insurance coverage on multimillion-dollar balances through the Promontory Interfinancial Network. Denali State Bank manages all CD investments internally, providing customers with greater rates and comprehensive FDIC coverage.
- Promontory Interfinancial NetworkcoreParent company behind CDARS service, providing the infrastructure for expanded FDIC insurance coverage on large deposits.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Denali State Bank competitors and assessment
Company assessmentDirect peers
- First National Bank Alaska: Alaska's largest community-owned bank, headquartered in Anchorage, offering consumer and commercial banking, mortgage, and wealth services across the state. Directly comparable as a full-service Alaska-headquartered bank competing for the same interior Alaska deposit and loan base.
- Northrim Bank: Anchorage-based commercial bank serving businesses and consumers across Alaska with personal banking, commercial lending, and mortgage products. Comparable as an Alaska-headquartered community/commercial bank with similar product breadth and SMB focus.
- Alaska USA Federal Credit Union: Largest credit union in Alaska, serving consumers and businesses statewide with checking, savings, lending, and mortgage products. Comparable as a member-owned depository institution competing for the same interior Alaska households and SMBs, though structured as a cooperative.
- Mt. McKinley Mutual Savings Bank: Small mutual savings bank headquartered in Fairbanks, Alaska, serving interior Alaska with personal banking, lending, and deposit products. Closest peer by structure (mutual/community savings bank) and geography, directly competing for the same Fairbanks deposit and loan customers.
Broad incumbents
- KeyBank (Alaska): National super-regional bank with a meaningful Alaska branch presence offering consumer and commercial banking, mortgage, and wealth services. Comparable as a direct competitor for Fairbanks-area deposits and SMB relationships, with broader geographic and product diversification.
- Wells Fargo (Alaska): Large national bank with Alaska retail and commercial presence, offering full-service banking, mortgage, and treasury products. Comparable as a competing deposit and loan provider in Fairbanks, with materially larger scale and digital capabilities.
- Bank of America (Alaska): National bank with Alaska retail and commercial presence offering full-service banking, mortgage, and digital products. Comparable as a competing consumer and SMB bank in Fairbanks, with significantly larger scale and superior mobile/digital capabilities.
Regional players
- Goldbelt Financial Services: Alaska Native Corporation-affiliated financial services provider serving Southeast Alaska communities with banking-adjacent services. Comparable as a regionally focused Alaska financial services provider targeting niche community segments, though with a different geographic footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Denali State Bank social profiles
Digital presenceDenali State Bank compliance and trust
Trust signalCompliance1 record
Denali State Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Denali State Bank leadership team
Management profileNumber of profiles
Denali State Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Denali State Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Denali State Bank
What does Denali State Bank do?
Denali State Bank is a full-service community bank providing personal and business deposit accounts, consumer and commercial loans, mortgages, and credit cards through five branch locations in Fairbanks and Tok, Alaska. The bank offers Kasasa-branded checking and savings products, CDs, IRAs, business checking and savings, commercial real estate and construction loans, and digital banking services including online and mobile platforms with Visa debit card infrastructure.
Is Denali State Bank a public or private company?
Denali State Bank is a private company. It is classified as unknown and is currently operating.
When was Denali State Bank founded?
Denali State Bank was founded in 1986. It employs 51 to 100 people.
Where is Denali State Bank based?
Denali State Bank is headquartered in Fairbanks, United States, in the North America region.
How does Denali State Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, loan Origination and credit Card Services.
Who are Denali State Bank's main competitors?
Direct peers on record are First National Bank Alaska, Northrim Bank, Alaska USA Federal Credit Union and Mt. McKinley Mutual Savings Bank. Broad incumbents are KeyBank (Alaska), Wells Fargo (Alaska) and Bank of America (Alaska). Goldbelt Financial Services is listed as a regional player.
Does Denali State Bank have an API?
No public API is recorded for Denali State Bank.