# ALASKA PACIFIC BANK
JUNEAU, AK · FDIC certificate 29849 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $166.7M | |
| Deposits | $150.3M | |
| Loans and leases | $141.3M | |
| Total equity | $14.7M | |
| Loans / deposits | 92.75% (p90 of band) | 68.03% |
| Liquid assets / assets | 11.08% (p3 of band) | |
| Uninsured deposits / deposits | 8.34% (p30 of band) | 12.24% |
| Brokered deposits | 0.60% | |
| Wholesale funding | 0.60% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.73% (p20 of band) | 10.34% |
| Unrealized securities loss / equity | 0.19% (p66 of band) | -0.15% |
| AOCI / equity | 0.21% (p35 of band) | |
| ROA (annualized) | -1.85% (p2 of band) | 0.74% |
| Net interest margin | 4.70% (p93 of band) | 3.59% |
| Efficiency ratio | 150.74% (p99 of band) | |
| Noncurrent loans | 3.09% (p84 of band) | 0.94% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 43.61% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 111.31% (p97 of band) | |
| Auto loans | $716,000 (0.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 1 |  | loans exceed deposits |
| 2011-09 | 1 | capital falling | liquid assets <10% |
| 2011-12 | 2 | liquid assets <10%, reserve under noncurrent | capital falling |
| 2012-03 | 3 | loans exceed deposits |  |
| 2012-06 | 2 |  | loans exceed deposits |
| 2012-09 | 2 | capital falling | liquid assets <10% |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 2 | liquid assets <10% |  |
| 2013-06 | 1 |  | liquid assets <10% |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 4 | losing money, expense ratio p90, construction >100% equity |  |

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

- 2025-11-05 [A Milestone Year for Northrim Bank - Alaska Business Magazine](https://news.google.com/rss/articles/CBMigwFBVV95cUxOU3VHblJ4V0J5X25QU2pFWUZkeV9YU1dpNHR6VExCdGNpWXFPZTdCUFBnMzJuWGNPamo5VER2b3V1SEQyOHBPQ1JiOVU1dk0wbGNhdTZVNzIxVlJlN3hZbWtyYWJDZmRVdHV1bUo1d0w1SndYVFBxN3FwZE9TOXBaazFlbw?oc=5) · Alaska Business Magazine
- 2013-10-23 [Northrim Buys Alaska Pacific Bank - Alaska Public Media](https://news.google.com/rss/articles/CBMif0FVX3lxTFAyX0VyYVpYR1FHUGd5VTZ2amNZd3E5R3NhSTNid19OdG85UnhpVlpnT3RuWlVJWG9vOWVwVUJQTHBHVjJGaWtnTFQ0UklDUHA3MDFIR2tYWG1HUHF6bzhiVTlsQUE0Y3ByVzMxeHRsRW5JcTFIOXJRT1JneDhRcmM?oc=5) · Alaska Public Media
- 2015-12-04 [Northrim Bank co-founder retiring after 50 years working in Alaska - Anchorage Daily News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNVzVSLThjb19jVkVEeE42TUxMNnZzME5aMk9QZEFXOWRDcXdRMXMwNWVIQ3FtVGo4RWVMZGtpN0hnQ090a2VGeXFERVpYWWw2bVNVYmZvRENIS0g4dmh5aVMzMVZiZWJMYVdnaG5QdHFmZnF2TTc0RVNRczRnbHFtbDdKR3BTNlp3TV96UEF6dlhkQ1d6cWIzeGZySEhRa0ZJQ2pja1RVN1hjVFQ0NWtpSjN5cDlockJkM3N3?oc=5) · Anchorage Daily News
- 2026-09-09 [Audrey L. Wright Obituary (2026) - Anchorage, AK - Legacy Funeral Home-Heritage Chapel at Angelus - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxONENyR09ZV1FYZUVlQVlXa3I0dEMwWHkwY2lxSFBSUXo5VzNpOW5EemFObjVBdUphcHh6ZVl4YVpnakktLTN5bjlURDFDcHJ5NXJoQWNPdDVLSHVfRUhNVmtUMk5HbzRLTzM0OHVldXVGRmhvZUxMdHBRaVZyTFFka3Nn?oc=5) · Legacy obituary
- 2025-10-13 [CBJ Port Director Carl Uchytil wins Citizen of the Year award from Juneau Chamber of Commerce - Juneau Independent](https://news.google.com/rss/articles/CBMizAFBVV95cUxQS1F4S1djVVIyQV81dUVtdjBvU2ZQZHEtREpQZDRwOUE3YnlqejliREgyN3U4QUlZbGdMRUhtczlZanhpSUlMUmhqWVBLQ0xKZER2LVJjZjg1UmR3TVBjZlF4bkhqc3hDTXZ4LUVkb0dBUVRaMDdoeFppZXNUSFh6RmlPUUwwZUJRS0t0RXBPWVdpbTM1UGNXNE01MmtoS2ZCQ3ZyclV6Wmp6VUlKVTZVSl9lLVZZeW5GTW5MTE80Wkw0b0hDVGtLRV9aclQ?oc=5) · Juneau Independent
- 2021-10-03 [Avrum Gross Obituary (1936-2018) - Juneau, AK - Juneau Empire - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxOanNVX3F6Vm9naENvcm96YW5CSUhOSS1OTHdYd2RPaEFHMzR4VllZNmNhb3RVRkhTRnBlOWtLNGgtUDl4cEdEZWdKZ3RzREluN0VDcEpvS3h1Q2tHLUpUMVlRRXVPOTFsQVZwNzc3YlpXeDhVOXBiVUN4Vlk2ZWh6c201X294VjNISmo5ZUJyNDA?oc=5) · Legacy obituary
- 2025-02-11 [Roger Grummett Obituary (1942 - 2025) - Juneau, AK - Juneau Empire - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxQY2FkeFJMbk5RYjRnbFJpanB1dlFYc0lvVEVrN082MWtpREQ2d0NEaE9wNDBtbzF6VDZIM0NaRzdyYTdxaUZoSVlfVVIwSzczeWVvRDVfMXFGRU9TYmxmYTMxaWUtaHFVZ05iTjRoOUc0bFVTdjJpN3BQRGJYMDhxVFEteUFPdzN5NWh2alBFZ3lsT0dy?oc=5) · Legacy obituary
- 2025-07-30 [Herbert Lang Obituary (2025) - Anchorage, AK - Cremation Society of Alaska - Anchorage - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxOOXVGdVllY1pqRjhXYXZ5NGZCWkQxSXhXNW1uNzN1MG1IbkRQVUhvUDB1aHN2SGdKQWxHX21QakNQNllRSUZaVjlQX1BFMlNsN2VWSkN5YUwwMXlKVW9vRGtzWTktYnh5NUEwZGh2blh5cm5NQzlPWmZ2YmtlWlNtNg?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29849 (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/25.json (key "29849", 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