Idaho Falls, ID · Cert 18059
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Idaho Falls, ID · 2026 SOD (annual) · 31.8% share · #1 of 9 inst. · $1.0B of $3.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.33% | 2.36% | 2.13% | 2.22% | 2.13% | -20 bps | |
| Return on Equity | 17.04% | 17.00% | 15.29% | 15.22% | 14.53% | -251 bps | |
| Net Interest Margin | 4.28% | 4.30% | 4.24% | 4.36% | 4.31% | +3 bps | |
| Efficiency Ratio | 31.98% | 31.74% | 36.35% | 32.60% | 33.37% | +138 bps | |
| Non-Interest Burden | 1.19% | 1.18% | 1.38% | 1.25% | 1.26% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.97% | 8.67% | 4.08% | 1.58% | 7.32% | +35 bps | |
| Loan Growth (YoY) | 10.46% | 11.47% | 14.32% | 18.43% | 15.27% | +481 bps | |
| Deposit Growth (YoY) | 5.94% | 8.17% | 5.26% | 2.75% | 6.91% | +97 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.25% | 0.58% | 0.74% | 1.35% | +104 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.15% | 0.54% | +52 bps | |
| Allowance / Loans | 1.65% | 1.69% | 1.76% | 1.74% | 1.59% | -5 bps | |
| Allowance Coverage of NPLs | 5.3x | 6.6x | 3.1x | 2.4x | 1.2x | -4.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.19% | 15.60% | 14.84% | 15.69% | 15.69% | +50 bps | |
| Total Risk-Based Capital | 21.14% | 22.13% | 20.38% | 20.62% | 20.35% | -79 bps | |
| Equity / Assets | 14.32% | 14.44% | 14.30% | 14.88% | 14.77% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.80% | 81.95% | 86.02% | 88.53% | 91.42% | +663 bps | |
| Liquid Assets / Assets | 15.39% | 18.04% | 13.84% | 12.70% | 13.32% | -206 bps | |
| CRE / Total Capital | n/a | 236% | 254% | 256% | n/a | n/a | |