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First Bank Ketchikan, AK

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First Bank Ketchikan, AK Rates & Review September 2026

Q: How many branches does First Bank Ketchikan, AK operate?

First Bank Ketchikan, AK currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank Ketchikan, AK provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

First Bank Ketchikan, AK's 15 year fixed rates are at 6.62%, 30 year fixed rates are at 7.25%, 20 year fixed rates are at 7.25%. First Bank Ketchikan, AK's Personal Loan Rates are as low as 11.75%. MonitorBankRates evaluates the financial stability of First Bank Ketchikan, AK with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.10%. Rates last updated and verified on 09/23/2026.

First Bank Ketchikan, AK money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Bank Ketchikan, AK? Share your experience about First Bank Ketchikan, AK by leaving a review below, or read customer reviews before you decide to use First Bank Ketchikan, AK.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.10%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Bank

331 Dock St
Ketchikan, AK 99901

https://www.firstbankak.com

First Bank Ketchikan, AK Mortgage Rates

Product	Rate	Points	APR
15 year fixed	6.63%	-	7.25%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
30 year fixed	7.25%	-	7.35%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
20 year fixed	7.25%	-	7.38%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

First Bank Ketchikan, AK Home Equity & HELOC

Product	Rate	Points	APR
First Advantage Home Equity Line of Credit	-	-	4.00%
Details Annual Percentage Rate (APR) is variable and determined by adding a margin (base margin 3.50%) to the index which is based on the Federal Home Loan Bank of Des Moines 5 Year Advance Rate as published at www.fhlbdm.com and is subject to change. The index is 4.61% as of September 1, 2026. APR is based on a consumer purpose transaction and properties with a maximum Loan to Value (LTV) of 80%. The First Advantage Home Equity Line of Credit features a 5 year draw period followed by a 15 year repayment period. APR does not include cost other than interest. The minimum APR is 4% and a maximum APR of 17% or the maximum allowed by state law. An annual fee of $75 applies and is charged on your anniversary date each year. The First Advantage Line of credit requires a minimum line amount of $5,000 and a maximum line limit of $100,000. A 1% discount to the APR is given if the customer signs up for automatic payments from a First Bank deposit account at the time of loan origination. Early cancelation of automatic debit will result in an increase of the APR by 1%. The advertised APR includes the 1% discount which requires automatic payment from a First Bank deposit account. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
First Equity Home Equity Line of Credit	-	-	4.00%
Details Annual Percentage Rate (APR) is variable and determined by adding a margin (base margin 0.00%) to the index which is based on the Prime rate as published in the Wall Street Journal Money Rates Table and subject to change. The index is 6.75% as of December 11, 2025. APR is based on a consumer purpose transactions and properties with a maximum Loan to Value (LTV) of 80%. The First Equity Home Equity Line of Credit features a 7 year draw period with regular minimum payments of 2% of the outstanding balance. A balloon payment in the amount of the outstanding balance of the line of credit may result at the end of the draw period if only minimum payments are made during the draw period. APR does not include cost other than interest. The minimum APR is 4% and a maximum APR of 17% or the maximum allowed by state law. An annual fee of $75 applies and is charged on your anniversary date each year. The First Equity Line of credit requires a minimum line amount of $5,000 and a maximum line limit of $250,000. A 1% discount to the APR is given if the customer signs up for automatic payments from a First Bank deposit account at the time of loan origination. Early cancelation of automatic debit will result in an increase of the APR by 1%. The advertised APR includes the 1% discount which requires automatic payment from a First Bank deposit account. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
HELOC First Equity Line of Credit	-	-	6.75%
Details As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
HELOC First Advantage Line of Credit	-	-	8.11%
Details As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

First Bank Ketchikan, AK Auto Loan Rates

Product	Rate	Points	APR
New Auto	-	-	5.57%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Used Auto	-	-	6.10%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

First Bank Ketchikan, AK RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Boats Loan	-	6.25%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Used Boats Loan	-	7.54%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

First Bank Ketchikan, AK Personal Loan Rates

Product	APR	Term	View More
Unsecured Line of Credit	11.75%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Unsecured Loan	12.72%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

First Bank Ketchikan, AK Other Rates

Product	Rate	Points	APY/APR
1st Time Homebuyer Tax Exempt Loan	6.00%	-	6.16%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
1st Time Homebuyer Tax Exempt Loan	6.25%	-	6.35%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Construction Loan up to 12 months	-	-	10.82%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Equity Plus Loan	-	-	7.86%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Equity Plus Lot Loan	-	-	8.30%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Improved Real Estate Loan	-	-	7.33%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Land Loan	-	-	7.98%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Nonconforming 1 Loan	6.63%	-	6.79%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Nonconforming 1 Loan	7.25%	-	7.35%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Rural Property Loan	6.13%	-	6.28%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Rural Property Loan	6.50%	-	6.60%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Taxable First Time Homebuyer Loan	6.25%	-	6.41%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Taxable First Time Homebuyer Loan	6.75%	-	6.85%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Taxable Loan	6.38%	-	6.53%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Taxable Loan	7.00%	-	7.10%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Bank Ketchikan, AK’s Texas Ratio fell from 2.24% in Q3 2023 to 0.10% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.7 to 5.0 and its Health Grade from D to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$890M	0.10%	5.0	A+
March 31, 2026	$857M	0.00%	5.0	A+
December 31, 2025	$882M	0.15%	5.0	A+
September 30, 2025	$907M	0.06%	5.0	A+
June 30, 2025	$863M	0.00%	5.0	A+
March 31, 2025	$832M	0.00%	4.9	A+
December 31, 2024	$848M	1.26%	4.4	A-
September 30, 2024	$886M	1.23%	4.7	A
June 30, 2024	$822M	4.41%	3.7	B
March 31, 2024	$802M	4.45%	3.7	B
December 31, 2023	$836M	1.46%	3.5	B
September 30, 2023	$832M	2.24%	1.7	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Bank Ketchikan, AK is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Bank Ketchikan, AK rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Bank Ketchikan, AK's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Bank Ketchikan, AK

Bank Holding Company FIRST BCORP INC

Address 331 Dock St, Ketchikan, AK 99901 · Ketchikan Gateway

Website https://www.firstbankak.com

FDIC Certificate # 14885

Established 19240915

FDIC Insurance Date 19341123

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.10%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2196%

Return on Equity (ROE) 15.0800%

Non-Performing Loans (NPL) 0.01%

Total Assets $889,887,000

Total Deposits $816,225,000

Equity Capital $71,510,000

Net Income $5,344,000

Headquarters Ketchikan

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Bank Ketchikan, AK earned the Verified Healthy badge

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Frequently Asked Questions About First Bank Ketchikan, AK

How many branches does First Bank Ketchikan, AK operate?

First Bank Ketchikan, AK currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Bank Ketchikan, AK does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank Ketchikan, AK provides members with tools to manage their accounts and build a solid financial history.

Does First Bank Ketchikan, AK offer online and mobile banking?

Most modern institutions like First Bank Ketchikan, AK provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstbankak.com.