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First National Bank Alaska
Anchorage, AK·FDIC Cert #16130·Charter: OCC·Est. 19220130.0
Total Assets
$5.1B
Q4 2025
Return on Assets
1.54%
+0.01%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.00%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.54%+0.01
ROE
14.16%+0.03
Efficiency
50.00%+0.34
Equity/Assets
0.00%+0.00
NPL Ratio
0.39%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
72.21%+4.59
Charge-offs
0.02%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.2 | 1.3 | 1.4 | 1.5 | 1.5 | 1.5 |
| ROE | 11.5 | 12.3 | 12.9 | 13.6 | 13.5 | 13.5 | 14.1 | 14.2 |
| Efficiency | 56.2 | 55.1 | 53.7 | 53.6 | 49.9 | 50.7 | 49.7 | 50.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.4 | 0.4 | 0.4 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 64.4 | 64.4 | 65.3 | 66.8 | 72.4 | 71.9 | 67.6 | 72.2 |
Balance Sheet
Total Assets$5.1B
Total Deposits$3.7B
Total Loans$2.7B
Total Equity$569.2M
Profitability
ROA1.54%
ROE14.16%
Efficiency Ratio50.00%
Net Income$77.5M
Risk & Asset Quality
NPL Ratio0.39%
Charge-off Rate0.02%
Loan/Deposit72.21%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans