Idaho Trust Bank
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
$255.6MAssets
$169.2MLoans
$225.5MDeposits
$26.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: efficiency ratio trails 69% of banks under $1B in assets (rank 432 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.9M · efficiency ratio beats 31% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |