Boise, ID · Cert 35103 · Idaho Trust Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
100
Profitability
50
Liquidity
82
Efficiency
31
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.
Boise, ID · Cert 35103 · Idaho Trust Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Boise City, ID · 2026 SOD (annual) · 1.1% share · #17 of 24 inst. · $0.2B of $19.4B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 1.03% | 0.87% | 0.94% | 1.01% | 1.66% | 0.89% | 0.87% | -7 bps | |
| Return on Equity | 6.68% | 8.50% | 7.11% | 8.12% | 9.02% | 15.00% | 8.22% | 8.15% | +3 bps | |
| Net Interest Margin | 3.40% | 3.52% | 3.98% | 3.92% | 3.74% | 3.61% | 4.06% | 4.03% | +11 bps | |
| Efficiency Ratio | 83.64% | 80.76% | 78.68% | 76.34% | 73.62% | 62.22% | 75.32% | 75.84% | -50 bps | |
| Non-Interest Burden | 2.40% | 2.33% | 2.84% | 2.76% | 2.55% | 1.36% | 2.88% | 2.89% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.33% | 6.78% | -3.92% | 10.29% | 6.04% | 20.58% | 14.91% | 11.38% | +109 bps | |
| Loan Growth (YoY) | 14.50% | 15.62% | 28.30% | 31.11% | 28.20% | 12.34% | 6.77% | 10.25% | -2,086 bps | |
| Deposit Growth (YoY) | -4.00% | 6.89% | 13.66% | 31.90% | 25.25% | 21.33% | 13.65% | 9.86% | -2,203 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.97% | 0.87% | 0.82% | 0.81% | 0.78% | 1.28% | 1.23% | 1.18% | +37 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.62% | 11.01% | 11.63% | 11.22% | 10.29% | 10.44% | 11.36% | 11.23% | +1 bps | |
| Total Risk-Based Capital | 15.29% | 14.81% | 14.41% | 14.09% | 13.60% | 15.60% | 15.50% | 15.17% | +108 bps | |
| Equity / Assets | 11.39% | 12.73% | 11.66% | 10.41% | 10.22% | 10.48% | 11.17% | 10.33% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.57% | 78.90% | 84.77% | 74.75% | 76.33% | 73.05% | 79.64% | 75.02% | +26 bps | |
| Liquid Assets / Assets | 27.38% | 15.95% | 11.28% | 22.04% | 21.65% | 26.50% | 21.03% | 23.51% | +147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 288% | 295% | n/a | n/a | |
Boise, ID · Cert 35103 · Peer group: banks under $1B in assets (n=581-629) · Idaho Trust Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.83%
Rank 404 of 629
Net Interest Margin
4.03%
Rank 167 of 629
Efficiency Ratio
75.84%
Rank 432 of 629
Equity / Assets
10.33%
Rank 349 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.60% | 1.01% | 1.45% | Beats 36% | 404 / 629 | ||
| Return on Equity | 8.02% | 5.38% | 9.30% | 13.28% | Beats 40% | 376 / 629 | ||
| Net Interest Margin | 4.03% | 3.03% | 3.54% | 4.05% | Beats 73% | 167 / 629 | ||
| Efficiency Ratio | 75.84% | 58.35% | 67.79% | 79.08% | Beats 31% | 432 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.10% | 11.24% | 13.84% | 18.77% | Beats 52% | 302 / 629 | ||
| Total Risk-Based Capital Ratio | 15.17% | 11.58% | 14.43% | 19.66% | Beats 54% | 287 / 629 | ||
| Equity / Assets | 10.33% | 9.09% | 10.65% | 13.80% | Beats 45% | 349 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.02% | 67.24% | 80.90% | 93.48% | 39th pctl | 361 / 594 | ||
| Loans / Assets | 66.18% | 53.31% | 67.71% | 78.15% | 47th pctl | 333 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||