BlastPoint's Banking Scorecard
First Bank
Ketchikan, AK
9 branches across AK
First Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.4% in tier
- + Non-Interest-Bearing Deposit Share 15.00% above tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Net Interest Margin 0.59% below tier average
- - Efficiency Ratio 8.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$857.3M
+3.0% YoY
-2.8% QoQ
|
+$471.2M |
$386.1M
+0.5% YoY
|
$2.1B
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Top 5.4% in tier |
| Total Loans ? |
$236.9M
+1.1% YoY
+2.5% QoQ
|
-$18.8M |
$255.7M
+1.1% YoY
|
$1.2B
+6.9% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$786.4M
+1.8% YoY
-2.6% QoQ
|
+$458.5M |
$328.0M
+0.1% YoY
|
$1.7B
+3.2% YoY
|
$4.8B
+8.2% YoY
|
Top 3.0% in tier |
| Return on Assets ? |
1.02%
-4.4% YoY
-17.4% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.32%
+1.2% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.35%
+3.5% YoY
+0.8% QoQ
|
-0.59% |
3.93%
+6.0% YoY
|
4.34%
+3.3% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
73.68%
+1.7% YoY
+6.6% QoQ
|
+8.39% |
65.29%
-4.5% YoY
|
64.71%
+1.0% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.75%
+55.4% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
30.12%
-0.7% YoY
+5.3% QoQ
|
-46.52% |
76.64%
+0.8% YoY
|
65.04%
+3.3% YoY
|
76.70%
+0.9% YoY
|
Top 1.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.02%
-1.0% YoY
-2.3% QoQ
|
+15.00% |
22.02%
-1.0% YoY
|
34.90%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 7.7% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.51%
+90.8% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
23.83%
+1.9% YoY
-3.2% QoQ
|
+7.99% |
15.83%
+1.5% YoY
|
17.58%
+2.3% YoY
|
17.06%
+0.8% YoY
|
Top 7.8% in tier |
| Non-Interest Income / Assets ? |
0.17%
-11.2% YoY
-78.9% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.17%
+3.3% YoY
|
0.32%
+4.1% YoY
|
80% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.