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First Bank

$100M-$1B Specialty: Other AK FDIC cert 14885

Ketchikan, AK

9 branches across AK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 3 in AK.
  • Deposits +2.2% year over year ($816.2M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 1.22%.
  • Efficiency ratio 70.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 29.46% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 3 in AK
View $100M-$1B leaderboard (AK) →

First Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 9.3% in tier
  • + Non-Interest-Bearing Deposit Share 18.35% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.0% in tier
  • - Credit Risk Growth: Bottom 6.0% in tier
  • - ROA 0.10% below tier average
  • - Net Interest Margin 0.58% below tier average
  • - Efficiency Ratio 5.65% above tier average
Get updates when First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Total Assets ? $889.9M
+3.1% YoY +3.8% QoQ
+$503.3M $386.6M
+1.2% YoY
$2.1B
+3.8% YoY
$6.3B
+7.7% YoY
Top 4.4% in tier
Total Loans ? $240.4M
+3.5% YoY +1.5% QoQ
-$17.9M $258.3M
+1.7% YoY
$1.3B
+7.1% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $816.2M
+2.2% YoY +3.8% QoQ
+$489.5M $326.7M
+0.7% YoY
$1.7B
+2.9% YoY
$4.9B
+7.3% YoY
Top 1.4% in tier
Return on Assets ? 1.22%
+8.2% YoY +19.2% QoQ
-0.10% 1.32%
+10.8% YoY
1.40%
+4.6% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 3.41%
+4.2% YoY +1.8% QoQ
-0.58% 3.99%
+5.0% YoY
4.41%
+3.3% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 70.13%
-1.7% YoY -4.8% QoQ
+5.65% 64.48%
-3.2% YoY
63.17%
+0.4% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 0.03% -0.89% 0.92%
+15.7% YoY
0.93%
+32.1% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 29.46%
+1.3% YoY -2.2% QoQ
-48.50% 77.95%
+1.0% YoY
65.65%
+3.9% YoY
79.03%
+2.3% YoY
Top 1.6% in tier
Non-Interest-Bearing Deposit Share ? 40.38%
+4.6% YoY +9.1% QoQ
+18.35% 22.03%
-0.6% YoY
35.63%
-0.5% YoY
21.98%
-0.6% YoY
Top 4.4% in tier
Nonperforming Asset Ratio ? 0.01% -0.66% 0.67%
+16.4% YoY
0.61%
+37.8% YoY
0.69%
+15.8% YoY
Top 13.4% in tier
Tier 1 Capital Ratio ? 24.62%
+2.9% YoY +3.3% QoQ
+8.71% 15.91%
+1.4% YoY
17.83%
+1.8% YoY
17.09%
+0.8% YoY
Top 7.3% in tier
Non-Interest Income / Assets ? 0.41%
+3.5% YoY +137.9% QoQ
-0.15% 0.57%
+7.6% YoY
0.35%
+1.2% YoY
0.66%
+5.2% YoY
Top 13.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Noninterest-Bearing 40.4%
+1.8pp YoY
+3.4pp QoQ
 +18.2pp 22.1% 35.6% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 1.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
C&I 10.7%
-0.1pp YoY
+0.2pp QoQ
 -0.9pp 11.6% 20.3% 12.5% 56%
CRE 57.7%
+1.1pp YoY
+0.1pp QoQ
 +18.1pp 39.5% 59.9% 41.4% 82%
1-4 Family 21.0%
+0.4pp YoY
+0.2pp QoQ
 -11.7pp 32.6% 13.6% 31.3% 32%
Consumer 5.5%
-0.2pp YoY
-0.1pp QoQ
 +1.4pp 4.1% 4.5% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
CET1 Ratio 24.6%
+0.7pp YoY
+0.8pp QoQ
 +5.8pp 18.8% 17.6% 19.7% 88%
Leverage Ratio 10.2%
+0.6pp YoY
+0.3pp QoQ
 -2.0pp 12.2% 12.6% 12.6% 35%
Total Capital Ratio 25.9%
+0.7pp YoY
+0.8pp QoQ
 +5.9pp 19.9% 18.6% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Full-Time Employees 142
-2 (-1.4%) YoY
-4 (-2.7%) QoQ
 +83 58 294 482 96%
Assets per Employee ($) $6.3M
+4.6% YoY
+6.7% QoQ
 -$1.3M $7.5M $7.0M $8.8M 38%
Branch Count 9
0 YoY
0 QoQ
 +4 4 13 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.0% 0.4% 30%
Nonaccrual n/a n/a 0.9% 1.2% 1.0% n/a
Allowance Coverage 77.37x +53.21x 24.15x 16.52x 20.23x 96%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.1% 0.0% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (AK) National Avg Tier Percentile
ROE 15.1%
-1.5pp YoY
+2.5pp QoQ
 +2.9pp 12.2% 13.1% 11.6% 68%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.1% 1.7% 23%
Net Income ($, YTD) $5.3M
+11.8% YoY
— QoQ
 +$2.8M $2.6M $17.3M $40.4M 89%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#62 of 659 • Top 9.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#76 of 1256 • Bottom 6.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#57 of 936 • Bottom 6.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

38
Total Deposits
size
Value: $816.23M
Peer Median: $326.73M
#38 of 2643 Top 1.4% in $100M-$1B
43
Loan-to-Deposit Ratio
liquidity
Value: 29.46%
Peer Median: 77.95%
#43 of 2643 Top 1.6% in $100M-$1B
116
Total Assets
size
Value: $889.89M
Peer Median: $386.57M
#116 of 2643 Top 4.4% in $100M-$1B
118
Non-Interest-Bearing Deposit Share
funding
Value: 40.38%
Peer Median: 22.03%
#118 of 2643 Top 4.4% in $100M-$1B
193
Tier 1 Capital Ratio
capital
Value: 24.62%
Peer Median: 15.91%
#193 of 2643 Top 7.3% in $100M-$1B
355
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#355 of 2643 Top 13.4% in $100M-$1B
365
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#365 of 2643 Top 13.8% in $100M-$1B
454
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#454 of 2633 Top 17.2% in $100M-$1B

Top Weaknesses (1 metrics)

2019
Net Interest Margin
profitability
Value: 3.41%
Peer Median: 3.99%
#2019 of 2643 Bottom 23.6% in $100M-$1B
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