# FIRST NATIONAL BANK ALASKA
ANCHORAGE, AK · FDIC certificate 16130 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $5.12B | |
| Deposits | $3.69B | |
| Loans and leases | $2.83B | |
| Total equity | $585.2M | |
| Loans / deposits | 76.18% (p26 of band) | 87.10% |
| Liquid assets / assets | 42.27% (p91 of band) | |
| Uninsured deposits / deposits | 38.98% (p71 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.61% (p81 of band) | |
| FHLB advances / assets | 0.29% | |
| Tier 1 leverage | 11.95% (p75 of band) | 10.50% |
| Unrealized securities loss / equity | -6.01% (p58 of band) | -7.75% |
| AOCI / equity | -0.12% (p64 of band) | |
| ROA (annualized) | 1.65% (p76 of band) | 1.26% |
| Net interest margin | 4.02% (p69 of band) | 3.70% |
| Efficiency ratio | 49.63% (p23 of band) | |
| Noncurrent loans | 0.47% (p46 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p37 of band) | |
| Reserve coverage of noncurrent | 170.01% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 51.59% (p55 of band) | |
| Auto loans | $2.4M (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 631 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 3 | wholesale funding >15%, capital falling |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 3 | uninsured deposits leaving |  |
| 2013-09 | 2 |  | uninsured deposits leaving |
| 2013-12 | 2 | capital falling | reserve under noncurrent |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | wholesale funding >15% |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 3 | capital falling | charge-offs p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | wholesale funding >15% | AOCI drag >20% of equity, capital falling |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 6 | capital falling, construction >100% equity, uninsured deposits leaving |  |
| 2023-12 | 3 |  | securities losses >30% of equity, construction >100% equity, uninsured deposits leaving |
| 2024-03 | 3 | reserve under noncurrent | capital falling |
| 2024-06 | 2 | assets shrinking | deposits shrinking, reserve under noncurrent |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 2 | assets shrinking |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 2 | assets shrinking |  |
| 2025-12 | 1 | capital falling | wholesale funding >15%, assets shrinking |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 1 | wholesale funding >15% |  |

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

- 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
- 2026-06-16 [First National Bank Alaska Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMijAFBVV95cUxQOXRBM0dyUEt6TXVBMGJoaDR0YVRoaWtiZmRGN1VVMEtBNmpkYWoxY1NIS2txXzEtNnB1eGl2LU9uQlRwWTZzY25CanZFMHVBb3FiV0doYnc4em9leWgwVF9LWVZrTjl3aFZtZHNXSUdudFU1V3FhdXM4bzZTUkE4UkZXS1NsRGVGY3JObg?oc=5) · SmartAsset
- 2025-10-28 [Denali State Bank Taps FNBA Exec as New CEO - Alaska Business Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxObVNXWHBQdUI2cHVWNE1OLXBaYW1tcmphVmM3N0NGM3FvbmJzQTZIS28wZml3R1lBU25WR1JHWWtwWnp3TnA1QmZOUTJENGdaMlZMWU5rTWhIekRNWVcyTFlMM0ZlU0dPNzJqeE5GSHU4aUdWcWpxdjdiY2RtZUZidnNCYnFPU2ZFVW03cGU4UQ?oc=5) · Alaska Business Magazine
- 2025-08-21 [First National Bank warns of increased fraud targeting Alaskans’ personal information - Alaska's News Source](https://news.google.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?oc=5) · Alaska's News Source
- 2022-04-25 [First National Proud - Alaska Business Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTE1ydUR3YWlHaGxsQW54eTNVaEhZYnB3QXNOd3p2elE0bDliNXBfS3ZwWkxYZ0ZhMlV3OEg5SXY2eEl5T3EtOEJBdU1yUzM3YzV3T1NzNmszNDRsam1XX1Z6dHN2c1FFZTdXcWhRN2FMQmU?oc=5) · Alaska Business Magazine
- 2018-01-14 [FBAK Stock Price and Chart — OTC:FBAK - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9tSzFUS0E0c1E5N3BlQlQ1Ny1DZTVxQzh0VkwwVVBuMmZydFVzZDRfTm9QTWtVTDJXRHRoa3ZHSjZmZ0o2elZtdW9FclhScXBkbHVhVUg3NUU?oc=5) · TradingView
- 2015-10-28 [Alaska banks warn of scam targeting 907 phone numbers - Anchorage Daily News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQdHI5R3hLYm1wMktxQWNEaHlFNWh3RHM0NVZ0REZfQmNLV0tnTUkydXhaUjAtRDF5NmFVdnpPMUlFZ0pEUVVhMm1Za0V2NlhSUEEzNDVzVW04M2lWNnV4N1JHUGZITUhiTkJMMGJndkFXVTkzaWtaWFZpd0VuemVjem5lVUxDOHJMVllkUHBQLVpyUU1PejB3VVBxelM0OGxZajRGbVpXUXk3YXFuOWY1VUdR?oc=5) · Anchorage Daily News
- 2022-02-18 [First National Bank Alaska Leaders Advance to New Roles - Alaska Business Magazine](https://news.google.com/rss/articles/CBMinwFBVV95cUxQLVFqX1pXczI5b19kOEtuczRIbzV1RUQwVFVlVW43bVMyR3Y4YlNTR21YcFFtUjl5Y1Q2U3hhQkdsZkFTbHpPRjdRWlg0Y0RscUxOU0pnLWo1VzUxMU9ldk9fWjBRdmswaEVxNHBIeUZpeDA4Zkh0OGliVVJXZjA5WTFrdm1FazhPZ1VLSDhyZUxSRG9wQUtPUmlGRzREejA?oc=5) · Alaska Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16130 (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/2.json (key "16130", 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