Idaho Falls, ID · Cert 26403
FDIC · 18 branches
Q1 2025
Market Position · Idaho Falls, ID · 2024 SOD (annual) · 13.1% share · #4 of 10 inst. · $0.4B of $3.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.92% | 1.27% | 1.33% | 1.46% | +32 bps | |
| Return on Equity | 10.08% | 8.48% | 11.73% | 12.04% | 12.76% | +268 bps | |
| Net Interest Margin | 4.44% | 4.18% | 4.26% | 4.29% | 4.17% | -27 bps | |
| Efficiency Ratio | 61.04% | 64.23% | 56.00% | 60.49% | 50.90% | -1,015 bps | |
| Non-Interest Burden | 2.58% | 2.58% | 2.26% | 2.43% | 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 / Loans | 0.55% | 0.54% | 0.88% | 0.83% | 0.71% | +16 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.02% | 0.22% | 0.01% | -2 bps | |
| Allowance / Loans | 1.22% | 1.22% | 1.25% | 1.23% | 1.22% | -1 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.3x | 1.4x | 1.5x | 1.7x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.26% | 11.57% | 11.50% | 11.46% | 11.89% | -38 bps | |
| Total Risk-Based Capital | 14.98% | 14.82% | 14.48% | 14.43% | 14.82% | -16 bps | |
| Equity / Assets | 11.21% | 10.61% | 11.12% | 11.04% | 11.84% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.71% | 89.43% | 90.96% | 91.58% | 97.13% | +542 bps | |
| Liquid Assets / Assets | 6.34% | 8.34% | 7.07% | 7.43% | 5.88% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |