# FIRST BANK
KETCHIKAN, AK · FDIC certificate 14885 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $889.9M | |
| Deposits | $816.2M | |
| Loans and leases | $245.7M | |
| Total equity | $71.5M | |
| Loans / deposits | 29.46% (p1 of band) | 82.04% |
| Liquid assets / assets | 68.65% (p98 of band) | |
| Uninsured deposits / deposits | 35.39% (p80 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.16% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | -24.38% (p17 of band) | -8.10% |
| AOCI / equity | -3.94% (p2 of band) | |
| ROA (annualized) | 1.22% (p46 of band) | 1.28% |
| Net interest margin | 3.41% (p24 of band) | 3.91% |
| Efficiency ratio | 70.13% (p74 of band) | |
| Noncurrent loans | 0.03% (p14 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 7736.76% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 30.45% (p37 of band) | |
| Auto loans | $1.5M (0.61% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 142 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | expense ratio p90 |  |
| 2014-06 | 0 |  | expense ratio p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 | expense ratio p90 | capital falling |
| 2015-06 | 1 | charge-offs p90 | expense ratio p90 |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | expense ratio p90 |  |
| 2017-06 | 0 |  | expense ratio p90 |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | expense ratio p90 |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | expense ratio p90 |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-08 [First Bank Corp completes buyout of First State Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcWJzZzdpcklaMW01dWF2UWxGUU0tcmRXQ2xXMGNDcE5GNV9pak4yUk9aQUJHN1ZvclNCaHp4X0N6djdqSnVFWnJFSl9DZHhzdTFyRloxUFMzTGpjSjFQeU9Tci1lTDMyTUR1ZjJoLThQdVNIVDdqNVJKaUdOQXg2eVRWdENjXzJVV3hXMmF4WQ?oc=5) · Talk Business &amp; Politics
- 2026-01-30 [First Bank Corp. to merge with Russellville-based First State Bank - Southwest Times Record](https://news.google.com/rss/articles/CBMivwFBVV95cUxNeDd0SU5DX2dsczQtMG9CUjBTNzg4SUVHOU83VnF3bXptVFhhdGFuREl6QXBURDRMOVphRE12cXhMQ3FmUW0xa2o3WU5jS28taTM3S0xXRHl3cV94SXczZ3NrNFJNTks2YjVodDdWRy1zekJxREtSSVdpd3RJY0VqV21CT2JURlJuNUZaRWdZUm41WTdJSUJxcVRrWjVJeUlqZ0ZwdWFZWG16U09IVUhuM2djQ2hWcG94Rlh6dE5RYw?oc=5) · Southwest Times Record
- 2026-06-11 [First National Bank Alaska: A Fortress In The Last Frontier, But Priced For Perfection - Seeking Alpha](https://news.google.com/rss/articles/CBMisgFBVV95cUxQLXMwTDJlVFNjX09JcEt2cVBFaVNOdWgySnlPZGFHanBlNXVUQWVRcHBmMWs5aGZLQ2xnTXdxajkxLUFVVnU1Z3J0UXo3RS1pV1I4TkVxYXZJbDVuSlloVXRqRTJXOE0ybW5Cc3ROMnZzUzlCNGpXbTkxaHM0M2pxbXFSMlpmZG8yY0hQZl9YSmtBVDFYSGJUbzUwNUtWMnhNSTJVM2tncS1DdUZpd3RqanFR?oc=5) · Seeking Alpha
- 2026-02-02 [2 West Arkansas Banks Merge to Create $3.67B Lender - Arkansas Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxNUVNoZndaa0FlZ19wYjY1WG5WSThZV2NFQ29Vb1pqZHhxUXBWak9ZRWRWQ2RweVFZeFNQaGN2R1dQOXVuUDg0MVFUeUc1YVAzcEJyODNjVWpoTXpXYXlnQUFrUXEwNy1UZzdUX3k5SUZSMi1adjcxaHl0X2wzUXZ2OXd5X3N0TE9XaHQ5YTNR?oc=5) · Arkansas Business
- 2026-04-28 [1863-1935 Alaska National Bank Notes - Numismatic News](https://news.google.com/rss/articles/CBMidkFVX3lxTE9ZYjRpdGp3NHR4N2tSY21LZzRYOTlhc2xjdHk0UEZIRlVIRy1mMjA5N2VZOUFDc29vOGxicEJiN0NwcVphVXhqRlRzX0c2OG13UjJQY0NtTmxiZ3hNcjJHQ3V0YjFMdVFiRktGX1UwMFRVQ2lvaWc?oc=5) · Numismatic News
- 2026-01-30 [First Bank Corp., First State Bank sign merger agreement - Talk Business & Politics](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQlE1aDBlVjhsQng3YVVwRjB4bEQzOGJDbmN4UzhacEF4MFUzd0IwQi1SRUI3b2RBdExta2ZuLTd1bmo0cFZReWZOcHA0Y3hNOUViUUtPeWFneDM5X2VfRVBqakZyMkR2ckV4LTRWcGNVczFvbTlUZzliX2t5QmdGdnZ6ZjVDdEk3RGUydUp4a1Zxdw?oc=5) · Talk Business &amp; Politics
- 2026-04-08 [First Bank Corp completes merger with Russellville’s First State Bank - Southwest Times Record](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQdGVHZVM3NEpKUkFTVTlVbW9DZFFyaWZLS256V1p4ZkFLNkd5MnFOT2V4X2dNRHQya2JZNkZKVTVwU1JYYmlZMW5zYlZlV0pLd3VkQzlQQml2U1lVQW9CUVF5NlZ3ZkFQZ1E1dzFDWld0Q1dNd2dxekRtOFUtaEJfRWtXYlczR0loMno5bmhBdlJrOVdrNFotZzRXVEhlSmg0Z2p5ZnN3SFN5VzE3aFRQOUlHMXNHazdQMHNCaVpHRDBqLVFVZW9uNQ?oc=5) · Southwest Times Record
- 2025-11-05 [A Milestone Year for Northrim Bank - Alaska Business Magazine](https://news.google.com/rss/articles/CBMigwFBVV95cUxOU3VHblJ4V0J5X25QU2pFWUZkeV9YU1dpNHR6VExCdGNpWXFPZTdCUFBnMzJuWGNPamo5VER2b3V1SEQyOHBPQ1JiOVU1dk0wbGNhdTZVNzIxVlJlN3hZbWtyYWJDZmRVdHV1bUo1d0w1SndYVFBxN3FwZE9TOXBaazFlbw?oc=5) · Alaska Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14885 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "14885", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide