BlastPoint's Banking Scorecard

First National Bank Alaska

$1B-$10B Specialty: Commercial AK FDIC cert 16130

Designations: ✓ Community bank

Anchorage, AK

27 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 885 banks in the $1B-$10B peer group nationwide — 1 of 2 in AK.
Deposits +2.8% year over year ($3.7B on the books).
Delinquency rate 0.47%.
Return on assets 1.65%.
Efficiency ratio 49.63% vs a 59.73% peer average.
Loan-to-deposit ratio 76.18% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 2 in AK

View $1B-$10B leaderboard (AK) →

First National Bank Alaska has 5 strengths but faces 1 concern

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

+ Non-Interest-Bearing Deposit Share 25.49% above tier average
+ ROA 0.25% above tier average
+ Net Interest Margin 0.15% above tier average
+ Efficiency Ratio 10.10% below tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 42.8% in tier

Get updates when First National Bank Alaska releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Total Assets ?	$5.1B +4.1% YoY +0.8% QoQ	+$2.3B	$2.8B -0.6% YoY	$2.1B +3.8% YoY	$6.3B +7.7% YoY	Top 14.1% in tier
Total Loans ?	$2.8B +8.9% YoY +0.5% QoQ	+$844.1M	$2.0B -0.3% YoY	$1.3B +7.1% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$3.7B +2.8% YoY -0.7% QoQ	+$1.4B	$2.3B -0.5% YoY	$1.7B +2.9% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	1.65% +12.5% YoY -1.0% QoQ	+0.25%	1.39% +17.0% YoY	1.40% +4.6% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	4.02% +7.7% YoY +1.2% QoQ	+0.15%	3.87% +6.2% YoY	4.41% +3.3% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	49.63% -2.2% YoY -0.7% QoQ	-10.10%	59.73% -12.6% YoY	63.17% +0.4% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	0.47% +23.4% YoY +7.4% QoQ	-0.40%	0.87% +11.7% YoY	0.93% +32.1% YoY	0.98% +16.3% YoY	55%
Loan-to-Deposit Ratio ?	76.18% +6.0% YoY +1.2% QoQ	-8.86%	85.04% -0.1% YoY	65.65% +3.9% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	46.76% -3.0% YoY +0.5% QoQ	+25.49%	21.27% -1.5% YoY	35.63% -0.5% YoY	21.98% -0.6% YoY	Top 2.3% in tier
Nonperforming Asset Ratio ?	0.29% +47.7% YoY +6.0% QoQ	-0.38%	0.67% +11.7% YoY	0.61% +37.8% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	18.52% -4.5% YoY -0.1% QoQ	+3.68%	14.84% -0.4% YoY	17.83% +1.8% YoY	17.09% +0.8% YoY	Top 10.4% in tier
Non-Interest Income / Assets ?	0.28% -3.6% YoY +99.1% QoQ	-0.25%	0.53% +2.5% YoY	0.35% +1.2% YoY	0.66% +5.2% YoY	48%

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	46.8% -1.5pp YoY +0.2pp QoQ	+25.4pp	21.4%	35.6%	22.2%	98%
Brokered Deposits	n/a	n/a	9.5%	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	16.5% +0.6pp YoY 0.0pp QoQ	+2.5pp	14.0%	20.3%	12.5%	72%
CRE	73.1% -0.2pp YoY 0.0pp QoQ	+23.1pp	50.0%	59.9%	41.4%	91%
1-4 Family	6.7% -0.1pp YoY +0.2pp QoQ	-19.7pp	26.4%	13.6%	31.3%	9%
Consumer	0.7% -0.1pp YoY 0.0pp QoQ	-4.0pp	4.7%	4.5%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
CET1 Ratio	18.5% -0.9pp YoY 0.0pp QoQ	+2.9pp	15.6%	17.6%	19.7%	88%
Leverage Ratio	11.9% 0.0pp YoY 0.0pp QoQ	+0.6pp	11.3%	12.6%	12.6%	76%
Total Capital Ratio	19.3% -0.8pp YoY 0.0pp QoQ	+2.6pp	16.7%	18.6%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Full-Time Employees	631 +19 (+3.1%) YoY -2 (-0.3%) QoQ	+317	313	294	482	91%
Assets per Employee ($)	$8.1M +0.9% YoY +1.1% QoQ	-$2.4M	$10.5M	$7.0M	$8.8M	41%
Branch Count	27 0 YoY 0 QoQ	+7	20	13	18	78%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.0%	0.4%	5%
Nonaccrual	0.5% +0.1pp YoY 0.0pp QoQ	-0.4pp	0.8%	1.2%	1.0%	46%
Allowance Coverage	1.70x -16.8% YoY -3.0% QoQ	-17.01x	18.71x	16.52x	20.23x	42%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.0%	0.2%	37%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
ROE	14.6% +1.0pp YoY -0.2pp QoQ	+2.0pp	12.6%	13.1%	11.6%	70%
Cost of Funds (YTD)	0.9% -0.1pp YoY 0.0pp QoQ	-1.0pp	1.9%	1.1%	1.7%	4%
Net Income ($, YTD)	$42.0M +16.3% YoY — QoQ	+$22.8M	$19.2M	$17.3M	$40.4M	90%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#173 of 402 • Bottom 42.8% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 46.76%

Peer Median: 21.27%

#21 of 885 Top 2.3% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.52%

Peer Median: 14.84%

#93 of 885 Top 10.4% in $1B-$10B

126

Total Assets

size

Value: $5.12B

Peer Median: $2.79B

#126 of 885 Top 14.1% in $1B-$10B

145

Total Deposits

size

Value: $3.69B

Peer Median: $2.32B

#145 of 885 Top 16.3% in $1B-$10B

175

Total Loans

size

Value: $2.81B

Peer Median: $1.96B

#175 of 885 Top 19.7% in $1B-$10B

197

Efficiency Ratio

profitability

Value: 49.63%

Peer Median: 59.73%

#197 of 885 Top 22.1% in $1B-$10B

209

Return on Assets

profitability

Value: 1.65%

Peer Median: 1.39%

#209 of 885 Top 23.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available