Bank of Idaho
Idaho Falls, ID · Cert 26403 · Peer group: banks $1B-$10B in assets (n=289-295)
FDIC · 18 branches
Q1 2025
$1.3BAssets
$1.1BLoans
$1.1BDeposits
$154.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks $1B-$10B in assets (rank 34 of 295).
- Widest gap: nonperforming loans / loans trails 66% of banks $1B-$10B in assets (rank 192 of 289).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.47%
Rank 50 of 295
Net Interest Margin
4.17%
Rank 34 of 295
Efficiency Ratio
51.74%
Rank 50 of 293
Equity / Assets
11.84%
Rank 61 of 295
Non-interest income vs. expense
Unfavorable gap of $22.1M · efficiency ratio beats 83% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.66% | 0.99% | 1.28% | Beats 83% | 50 / 295 | | |
| Return on Equity | 12.44% | 6.86% | 10.32% | 12.56% | Beats 74% | 77 / 295 | | |
| Net Interest Margin | 4.17% | 2.78% | 3.17% | 3.67% | Beats 88% | 34 / 295 | | |
| Efficiency Ratio | 51.74% | 55.64% | 64.40% | 72.15% | Beats 83% | 50 / 293 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.14% | 0.43% | 0.88% | Beats 34% | 192 / 289 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.03% | Beats 55% | 131 / 289 | | |
| Capital |
| Tier 1 Capital Ratio | 13.59% | 11.30% | 12.70% | 14.80% | Beats 63% | 110 / 295 | | |
| Total Risk-Based Capital Ratio | 14.82% | 12.21% | 13.57% | 15.83% | Beats 65% | 104 / 295 | | |
| Equity / Assets | 11.84% | 8.74% | 9.92% | 11.39% | Beats 79% | 61 / 295 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.13% | 77.01% | 86.08% | 94.78% | 83rd pctl | 48 / 290 | | |
| Loans / Assets | 82.15% | 65.46% | 73.72% | 80.10% | 84th pctl | 47 / 289 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |