Bank of Commerce, The
Idaho Falls, ID · Cert 18059 · Peer group: banks $1B-$10B in assets operating regionally (n=176)
State charter, non-member · FDIC · 17 branches
Q2 2026
$2.3BAssets
$1.8BLoans
$1.9BDeposits
$346.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets operating regionally (rank 1 of 176).
- Widest gap: net charge-offs / loans trails 92% of banks $1B-$10B in assets operating regionally (rank 163 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.08%
Rank 11 of 176
Net Interest Margin
4.31%
Rank 17 of 176
Efficiency Ratio
33.37%
Rank 1 of 176
Equity / Assets
14.77%
Rank 9 of 176
Non-interest income vs. expense
Unfavorable gap of $29.5M · efficiency ratio beats 100% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.08% | 0.93% | 1.26% | 1.54% | Beats 94% | 11 / 176 | |
| Return on Equity | 14.06% | 9.26% | 11.89% | 14.46% | Beats 70% | 52 / 176 | |
| Net Interest Margin | 4.31% | 3.25% | 3.59% | 3.93% | Beats 90% | 17 / 176 | |
| Efficiency Ratio | 33.37% | 52.79% | 59.55% | 67.66% | Beats 100% | 1 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.30% | 0.64% | 1.32% | Beats 24% | 135 / 176 | |
| Net Charge-Offs / Loans | 0.27% | 0.01% | 0.04% | 0.10% | Beats 8% | 163 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 19.09% | 11.15% | 12.72% | 14.15% | Beats 96% | 7 / 176 | |
| Total Risk-Based Capital Ratio | 20.35% | 11.81% | 13.63% | 15.33% | Beats 96% | 7 / 176 | |
| Equity / Assets | 14.77% | 9.16% | 10.35% | 11.80% | Beats 95% | 9 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 91.42% | 80.94% | 89.73% | 97.21% | 57th pctl | 75 / 176 | |
| Loans / Assets | 75.39% | 69.25% | 75.12% | 80.82% | 51st pctl | 87 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |