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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.94% | 0.91% | 1.14% | 1.02% | 1.12% | 1.18% | 1.46% | +32 bps | |
| Return on Equity | 7.15% | 7.81% | 7.66% | 10.08% | 9.26% | 10.09% | 10.62% | 12.76% | +268 bps | |
| Net Interest Margin | 4.72% | 4.57% | 4.46% | 4.44% | 4.14% | 4.08% | 4.03% | 4.17% | -27 bps | |
| Efficiency Ratio | 70.75% | 69.07% | 68.30% | 61.04% | 62.65% | 60.35% | 60.39% | 50.90% | -1,015 bps | |
| Non-Interest Burden | 3.25% | 3.06% | 2.95% | 2.58% | 2.48% | 2.35% | 2.31% | 1.67% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.50% | 6.94% | 16.28% | 19.69% | 23.99% | 22.36% | 16.71% | 9.89% | -980 bps | |
| Loan Growth (YoY) | 45.06% | 30.31% | 26.29% | 23.46% | 22.68% | 20.37% | 16.75% | 16.37% | -708 bps | |
| Deposit Growth (YoY) | 21.97% | 5.77% | 12.84% | 16.81% | 19.22% | 20.98% | 17.75% | 9.88% | -693 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.81% | 0.42% | 0.55% | 0.54% | 0.88% | 0.83% | 0.71% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.10% | 0.15% | 0.03% | 0.03% | 0.02% | 0.07% | 0.01% | -2 bps | |
| Allowance / Loans | 1.24% | 1.17% | 1.19% | 1.22% | 1.22% | 1.25% | 1.23% | 1.22% | -1 bps | |
| Allowance Coverage of NPLs | 11.9x | 1.5x | 2.8x | 2.2x | 2.3x | 1.4x | 1.5x | 1.7x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.85% | 12.58% | 12.32% | 12.26% | 11.57% | 11.50% | 11.46% | 11.89% | -38 bps | |
| Total Risk-Based Capital | 15.98% | 14.96% | 14.98% | 14.98% | 14.82% | 14.48% | 14.43% | 14.82% | -16 bps | |
| Equity / Assets | 11.88% | 11.71% | 11.43% | 11.21% | 10.61% | 11.12% | 11.04% | 11.84% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.91% | 91.43% | 92.36% | 91.71% | 89.43% | 90.96% | 91.58% | 97.13% | +542 bps | |
| Liquid Assets / Assets | 5.22% | 3.67% | 5.30% | 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 | n/a | n/a | n/a |