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Bank of Idaho

Idaho Falls, ID · Cert 26403

FDIC · 18 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=278 to 284). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q1 2025peer median (50)

Asset Quality

45

Q2 2024Q1 2025peer median (50)

Profitability

83

Q2 2024Q1 2025peer median (50)

Liquidity

20

Q2 2024Q1 2025peer median

Efficiency

84

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Idaho

Idaho Falls, ID · Cert 26403

FDIC · 18 branches

Q1 2025

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$154.2MEquity
Loan mix
80%RE $651.6M19%C&I $151.2M1%Consumer $12.1MQ1 2024Q1 2025
Deposit mix
74%Interest-bearing $817.0M26%Noninterest $284.6MQ1 2024Q1 2025

NIM

5.29%Q1 ’236.01%Q1 ’246.12%Q1 ’25-7%-6%

Non-interest income vs. expense

3.81%Q1 ’232.99%Q1 ’242.66%Q1 ’25-24%-35%

Market Position · Idaho Falls, ID · 2024 SOD (annual) · 13.1% share · #4 of 10 inst. · $0.4B of $3.1B

15.4% Bonneville
100.0% Fremont
3.4% Yakima
0.9% Ada

Executive Summary

  • Earnings: ROA of 1.46%, up 32 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.71% of loans (+16 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.89%, down 38 bps from a year ago.
  • Funding: loans stand at 97.13% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

1.46%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-27 bps YoY

Efficiency Ratio (YTD, annualized)

50.90%-1,015 bps YoY

Tier 1 Leverage Ratio

11.89%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.14%1.02%1.12%1.18%1.46%+32 bps
Return on Equity10.08%9.26%10.09%10.62%12.76%+268 bps
Net Interest Margin4.44%4.14%4.08%4.03%4.17%-27 bps
Efficiency Ratio61.04%62.65%60.35%60.39%50.90%-1,015 bps
Non-Interest Burden2.58%2.48%2.35%2.31%1.67%-91 bps
Growth
Asset Growth (YoY)19.69%23.99%22.36%16.71%9.89%-980 bps
Loan Growth (YoY)23.46%22.68%20.37%16.75%16.37%-708 bps
Deposit Growth (YoY)16.81%19.22%20.98%17.75%9.88%-693 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.54%0.88%0.83%0.71%+16 bps
Net Charge-Offs / Loans0.03%0.03%0.02%0.07%0.01%-2 bps
Allowance / Loans1.22%1.22%1.25%1.23%1.22%-1 bps
Allowance Coverage of NPLs2.2x2.3x1.4x1.5x1.7x-0.5x
Capital
Tier 1 Leverage Ratio12.26%11.57%11.50%11.46%11.89%-38 bps
Total Risk-Based Capital14.98%14.82%14.48%14.43%14.82%-16 bps
Equity / Assets11.21%10.61%11.12%11.04%11.84%+63 bps
Liquidity & Funding
Loans / Deposits91.71%89.43%90.96%91.58%97.13%+542 bps
Liquid Assets / Assets6.34%8.34%7.07%7.43%5.88%-46 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Bank of Idaho

Idaho Falls, ID · Cert 26403 · Peer group: banks $1B-$10B in assets (n=278-284)

FDIC · 18 branches

Q1 2025

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$154.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks $1B-$10B in assets (rank 30 of 284).
  • Widest gap: nonperforming loans / loans trails 67% of banks $1B-$10B in assets (rank 186 of 278).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.47%

Rank 43 of 284

Net Interest Margin

4.17%

Rank 30 of 284

Efficiency Ratio

51.74%

Rank 46 of 282

Equity / Assets

11.84%

Rank 56 of 284

Non-interest income vs. expense

$13.1M$35.2MINCOMEEXPENSE
Unfavorable gap of $22.1M · efficiency ratio beats 84% of banks $1B-$10B in assets
Bank 51.74%Peer median 64.5%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.66%1.00%1.27%Beats 85%43 / 284
Return on Equity12.44%6.91%10.41%12.45%Beats 75%72 / 284
Net Interest Margin4.17%2.78%3.14%3.61%Beats 89%30 / 284
Efficiency Ratio51.74%55.67%64.45%71.75%Beats 84%46 / 282
Asset Quality
Nonperforming Loans / Loans0.71%0.14%0.43%0.88%Beats 33%186 / 278
Net Charge-Offs / Loans0.01%0.00%0.01%0.03%Beats 57%121 / 278
Capital
Tier 1 Capital Ratio13.59%11.24%12.70%14.74%Beats 63%104 / 284
Total Risk-Based Capital Ratio14.82%12.18%13.56%15.64%Beats 65%98 / 284
Equity / Assets11.84%8.73%9.81%11.36%Beats 80%56 / 284
Liquidity & Funding
Loans / Deposits97.13%76.30%85.69%93.83%84th pctl44 / 279
Loans / Assets82.15%65.34%73.12%79.97%85th pctl43 / 278
Brokered Deposits / Depositsn/aNot reported for this institution