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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 1.67% | 0.87% | 1.02% | 1.12% | 3.42% | 0.89% | 0.87% | -16 bps | |
| Return on Equity | 6.97% | 13.85% | 7.11% | 9.32% | 10.89% | 32.98% | 8.22% | 8.09% | -122 bps | |
| Net Interest Margin | 3.59% | 3.92% | 3.98% | 4.04% | 4.02% | 3.91% | 4.06% | 4.14% | +10 bps | |
| Efficiency Ratio | 82.84% | 72.94% | 78.68% | 73.83% | 68.23% | 49.48% | 75.32% | 76.34% | +250 bps | |
| Non-Interest Burden | 2.52% | 2.14% | 2.84% | 2.80% | 2.58% | -1.76% | 2.88% | 2.99% | +19 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 | |