First National Bank Alaska: Bank Stress & Real-Estate Credit Exposure

First National Bank Alaska (FDIC Cert #16130) carries a DLRadar bank-stress score of 53/100, a moderate reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The combination of a moderate reading and a compact footprint is what makes First National Bank Alaska worth watching as a supply signal. First National Bank Alaska's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The First National Bank Alaska score updates as fresh FDIC call reports post each quarter, so its 53/100 reading and 12-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First National Bank Alaska is directly comparable to any lender in the country. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. DLRadar maps First National Bank Alaska into 12 counties (106 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Alaska (12 counties). Rather than a standalone rating, the moderate score is tied to real markets — every one of the 106 ZIP codes First National Bank Alaska lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Its lending reaches counties such as Bethel County, AK, Anchorage County, AK, Kenai Peninsula County, AK, Matanuska-Susitna County, AK, each tied back to DLRadar's distress signals.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First National Bank Alaska tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.