First National Bank Alaska vs Spirit Of Alaska
Comparing a Bank in Anchorage, AK with a Credit Union in Fairbanks, AK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| First National Bank Alaska ↗ Bank · Anchorage, AK · Est. 1922 | Spirit Of Alaska ↗ Credit Union · Fairbanks, AK · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 97/100 |
| Institution type | Bank | Credit Union |
| Location | Anchorage, AK | Fairbanks, AK |
| Total assets | $5.1B | $200.8M |
| Capital ratio | 11.3% | 14.6% |
| Return on assets | 1.7% | 0.9% |
| Deposits | $3.7B | — |
| Branches | 27 | 9,231 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 5 | #3 of 9 |
| Established | 1922 | 1960 |
First National Bank Alaska
- Assets: $5.1B
- Deposits: $3.7B
- Capital ratio: 11.3%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #1 of 5
Spirit Of Alaska
- Assets: $200.8M
- Members: 9,231
- Capital ratio: 14.6%
- Return on assets: 0.9%
- CFPB complaints: 0
- State rank: #3 of 9
Are both institutions federally insured?
Yes. First National Bank Alaska is FDIC-insured and Spirit Of Alaska is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, First National Bank Alaska or Spirit Of Alaska?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — First National Bank Alaska scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is First National Bank Alaska safe?
Yes — First National Bank Alaska is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Spirit Of Alaska safe?
Yes — Spirit Of Alaska is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (97/100).
What is the capital ratio of First National Bank Alaska vs Spirit Of Alaska?
First National Bank Alaska has a capital ratio of 11.3%, placing it in the top 32% of $1B–10B peers. Spirit Of Alaska's ratio is 14.6%, placing it in the top 15% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does First National Bank Alaska have compared to Spirit Of Alaska?
The CFPB database shows 0 complaints against First National Bank Alaska, and 0 complaints against Spirit Of Alaska. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare First National Bank Alaska with other Banks in Alaska
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
