BlastPoint's Banking Scorecard
First National Bank Alaska
Mid-Market
Specialty: Commercial
AK
FDIC cert 16130
Designations: ✓ Community bank
Anchorage, AK
201
banks in Mid-Market tier nationally
1 in AK
View Mid-Market leaderboard (AK) →
First National Bank Alaska has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46% in Mid-Market
- + Non-Interest-Bearing Deposit Share 28.28% above tier
- + Tier 1 Capital Ratio 4.78% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.1B
+2.0% YoY
-2.7% QoQ
|
-$5.4B |
$10.5B
+2.9% YoY
|
$2.1B
+3.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$2.7B
+9.8% YoY
+4.7% QoQ
|
-$4.4B |
$7.1B
+4.5% YoY
|
$1.2B
+9.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$3.7B
+1.5% YoY
-1.9% QoQ
|
-$4.8B |
$8.5B
+3.0% YoY
|
$1.7B
+2.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
1.54%
+22.4% YoY
+0.8% QoQ
|
+0.38% |
1.16%
+9.4% YoY
|
1.41%
+20.1% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.88%
+19.6% YoY
+2.5% QoQ
|
+0.48% |
3.40%
+7.9% YoY
|
4.38%
+11.8% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
50.00%
-6.8% YoY
+0.7% QoQ
|
-6.61% |
56.60%
-3.2% YoY
|
61.88%
-3.2% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.39%
+124.6% YoY
-6.4% QoQ
|
-0.29% |
0.68%
+12.0% YoY
|
0.80%
+31.0% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
72.21%
+8.2% YoY
+6.8% QoQ
|
-13.27% |
85.47%
+1.1% YoY
|
64.31%
+5.5% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
48.92%
+0.4% YoY
-2.4% QoQ
|
+28.28% |
20.64%
-0.3% YoY
|
35.50%
-0.6% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+147.8% YoY
+3.4% QoQ
|
-0.28% |
0.50%
+7.3% YoY
|
0.51%
+65.1% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
18.33%
-5.9% YoY
-6.4% QoQ
|
+4.78% |
13.55%
+1.8% YoY
|
13.76%
+0.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.57%
+2.3% YoY
+36.6% QoQ
|
-0.39% |
0.96%
+7.1% YoY
|
0.73%
-6.5% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#24 of 51 · Top 46% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.54%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Mid-Market
Why this stands out
Current:
48.92%
(Tier avg: 20.64%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 6%
in Mid-Market
Why this stands out
Current:
18.33%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#13 of 26 · Bottom 48% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.33%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
72.21%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
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
Non-Interest-Bearing Deposit Share
Current: 48.92% · Tier avg: 20.64%
94
94th pctile
Tier 1 Capital Ratio
Current: 18.33% · Tier avg: 13.55%
82
82th pctile
Loan-to-Deposit Ratio
Current: 72.21% · Tier avg: 85.47%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
77
77th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
76
76th pctile
Efficiency Ratio
Current: 50.00% · Tier avg: 56.60%
72
72th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.40%
69
69th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.68%
36
36th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
3
3th pctile
Total Loans
Current: $2.7B · Tier avg: $7.1B
2
2th pctile
Total Assets
Current: $5.1B · Tier avg: $10.5B
1
1th pctile
Total Deposits
Current: $3.7B · Tier avg: $8.5B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $3.7B · Tier avg: $8.5B
2
2th pctile
Total Assets
Current: $5.1B · Tier avg: $10.5B
3
3th pctile
Total Loans
Current: $2.7B · Tier avg: $7.1B
36
36th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
69
69th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.68%
72
72th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.40%
76
76th pctile
Efficiency Ratio
Current: 50.00% · Tier avg: 56.60%
77
77th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
82
82th pctile
Loan-to-Deposit Ratio
Current: 72.21% · Tier avg: 85.47%
94
94th pctile
Tier 1 Capital Ratio
Current: 18.33% · Tier avg: 13.55%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.92% · Tier avg: 20.64%