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 | |