PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Commerce, The

Idaho Falls, ID · Cert 18059

State charter, non-member · FDIC · 17 branches

Q2 2026

$2.3BAssets
$1.8BLoans
$1.9BDeposits
$346.4MEquity
Loan mix
82%RE $1.2B17%C&I $0.2B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $1.2B37%Noninterest $0.7BQ3 2024Q2 2026

Market Position · Idaho Falls, ID · 2026 SOD (annual) · 31.8% share · #1 of 9 inst. · $1.0B of $3.2B

29.0% Bonneville
48.8% Bingham
40.0% Madison
46.9% Jefferson

Executive Summary

  • Earnings: ROA of 2.13%, down 20 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 1.35% of loans (+104 bps YoY), with net charge-offs at 0.54%.
  • Capital: tier 1 leverage ratio of 15.69%, up 50 bps from a year ago.
  • Funding: loans stand at 91.42% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.13%-20 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+3 bps YoY

Efficiency Ratio (YTD, annualized)

33.37%+138 bps YoY

Tier 1 Leverage Ratio

15.69%+50 bps YoY

NIM

5.93%Q2 ’245.84%Q2 ’255.70%Q2 ’26+2%+1%

Non-interest income vs. expense

1.51%Q2 ’241.45%Q2 ’251.53%Q2 ’26-4%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.29%2.15%2.31%2.33%2.36%2.13%2.22%2.13%-20 bps
Return on Equity17.25%16.28%17.29%17.04%17.00%15.29%15.22%14.53%-251 bps
Net Interest Margin4.21%4.09%4.26%4.28%4.30%4.24%4.36%4.31%+3 bps
Efficiency Ratio32.67%36.08%30.86%31.98%31.74%36.35%32.60%33.37%+138 bps
Non-Interest Burden1.18%1.30%1.13%1.19%1.18%1.38%1.25%1.26%+7 bps
Growth
Asset Growth (YoY)7.20%5.20%9.59%6.97%8.67%4.08%1.58%7.32%+35 bps
Loan Growth (YoY)8.56%7.38%6.15%10.46%11.47%14.32%18.43%15.27%+481 bps
Deposit Growth (YoY)6.03%4.44%9.06%5.94%8.17%5.26%2.75%6.91%+97 bps
Asset Quality
Nonperforming Loans / Loans0.41%1.07%0.28%0.31%0.25%0.58%0.74%1.35%+104 bps
Net Charge-Offs / Loans0.04%0.03%0.01%0.02%0.01%0.03%0.15%0.54%+52 bps
Allowance / Loans1.94%1.95%1.75%1.65%1.69%1.76%1.74%1.59%-5 bps
Allowance Coverage of NPLs4.7x1.8x6.3x5.3x6.6x3.1x2.4x1.2x-4.1x
Capital
Tier 1 Leverage Ratio15.03%14.21%15.03%15.19%15.60%14.84%15.69%15.69%+50 bps
Total Risk-Based Capital20.26%19.36%21.75%21.14%22.13%20.38%20.62%20.35%-79 bps
Equity / Assets14.02%13.14%13.55%14.32%14.44%14.30%14.88%14.77%+45 bps
Liquidity & Funding
Loans / Deposits79.52%79.20%76.81%84.80%81.95%86.02%88.53%91.42%+663 bps
Liquid Assets / Assets18.10%19.39%21.78%15.39%18.04%13.84%12.70%13.32%-206 bps
CRE / Total Capitaln/an/an/an/a236%254%256%n/an/a