BlastPoint's Banking Scorecard
First Bank
Community
Specialty: Other
AK
FDIC cert 14885
Ketchikan, AK
1484
banks in Community tier nationally
4 in AK
View Community leaderboard (AK) →
First Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.83% above tier
- + Nonperforming Asset Ratio 0.49% below tier
- + Tier 1 Capital Ratio 14.36% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 54.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$882.0M
+4.0% YoY
-2.8% QoQ
|
-$509.5M |
$1.4B
+2.0% YoY
|
$2.1B
+3.9% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$231.1M
+4.3% YoY
+0.3% QoQ
|
-$744.4M |
$975.5M
+2.4% YoY
|
$1.2B
+9.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$807.5M
+2.0% YoY
-3.6% QoQ
|
-$357.1M |
$1.2B
+1.7% YoY
|
$1.7B
+2.7% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.24%
+12.6% YoY
+3.2% QoQ
|
+0.08% |
1.16%
+17.2% YoY
|
1.41%
+20.1% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.32%
+5.2% YoY
+2.2% QoQ
|
-0.35% |
3.66%
+9.1% YoY
|
4.38%
+11.8% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
68.90%
-3.3% YoY
-0.7% QoQ
|
+6.27% |
62.63%
-5.3% YoY
|
61.88%
-3.2% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.05%
-84.7% YoY
+156.4% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.80%
+31.0% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
28.62%
+2.3% YoY
+4.1% QoQ
|
-54.45% |
83.06%
+0.3% YoY
|
64.31%
+5.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.87%
-0.3% YoY
-6.3% QoQ
|
+16.83% |
21.05%
-0.9% YoY
|
35.50%
-0.6% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-84.7% YoY
+164.5% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.51%
+65.1% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
24.60%
+2.5% YoY
+2.9% QoQ
|
+14.36% |
10.24%
-0.6% YoY
|
13.76%
+0.4% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.84%
+1.9% YoY
+37.1% QoQ
|
+0.10% |
0.74%
-1.3% YoY
|
0.73%
-6.5% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (3)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Community
Why this stands out
Current:
37.87%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.60%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
28.62%
(Tier avg: 83.06%, National avg: 78.04%)
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
97
97th pctile
Tier 1 Capital Ratio
Current: 24.60% · Tier avg: 10.24%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.87% · Tier avg: 21.05%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
47
47th pctile
Total Deposits
Current: $807.5M · Tier avg: $1.2B
41
41th pctile
Total Assets
Current: $882.0M · Tier avg: $1.4B
31
31th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.66%
29
29th pctile
Efficiency Ratio
Current: 68.90% · Tier avg: 62.63%
2
2th pctile
Total Loans
Current: $231.1M · Tier avg: $975.5M
1
1th pctile
Loan-to-Deposit Ratio
Current: 28.62% · Tier avg: 83.06%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 28.62% · Tier avg: 83.06%
2
2th pctile
Total Loans
Current: $231.1M · Tier avg: $975.5M
29
29th pctile
Efficiency Ratio
Current: 68.90% · Tier avg: 62.63%
31
31th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.66%
41
41th pctile
Total Assets
Current: $882.0M · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $807.5M · Tier avg: $1.2B
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
89
89th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.87% · Tier avg: 21.05%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.60% · Tier avg: 10.24%