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Bankcda

Coeur D'Alene, ID · Cert 57074 · Coeur D Alene Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

35

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankcda

Coeur D'Alene, ID · Cert 57074 · Coeur D Alene Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

$238.9MAssets
$144.8MLoans
$210.3MDeposits
$26.2MEquity
Loan mix
87%RE $115.3M12%C&I $16.0M1%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $158.3M25%Noninterest $52.0MQ3 2024Q2 2026

Market Position · Coeur dAlene, ID · 2026 SOD (annual) · 2.9% share · #9 of 11 inst. · $0.2B of $5.3B

2.9% Kootenai
25.4% Shoshone
0.0% Spokane
0.1% Benton

Executive Summary

  • Earnings: ROA of 0.84%, up 19 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 2.70% of loans (+224 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.45%, down 204 bps from a year ago.
  • Funding: loans stand at 68.87% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.84%+19 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+24 bps YoY

Efficiency Ratio (YTD, annualized)

78.72%+454 bps YoY

Tier 1 Leverage Ratio

11.45%-204 bps YoY

NIM

4.47%Q2 ’245.06%Q2 ’254.91%Q2 ’26+21%+6%

Non-interest income vs. expense

2.61%Q2 ’243.17%Q2 ’253.56%Q2 ’26+24%+14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.77%0.55%0.66%0.71%0.80%0.80%0.84%+19 bps
Return on Equity6.33%7.06%4.64%5.40%5.77%6.42%6.14%6.86%+146 bps
Net Interest Margin3.17%3.26%3.56%3.88%3.89%3.79%4.08%4.12%+24 bps
Efficiency Ratio72.09%72.01%76.46%74.18%74.17%74.18%81.31%78.72%+454 bps
Non-Interest Burden2.18%2.24%2.64%2.77%2.78%2.71%3.24%3.15%+38 bps
Growth
Asset Growth (YoY)0.45%1.17%-3.89%-5.48%-1.15%0.36%0.59%5.06%+1,054 bps
Loan Growth (YoY)6.24%12.50%12.61%14.11%3.80%0.81%0.40%5.81%-830 bps
Deposit Growth (YoY)-5.13%-0.01%-2.12%-0.78%0.22%6.65%2.76%7.44%+822 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.46%0.47%2.92%2.87%2.70%+224 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%0.00%-0.02%0 bps
Allowance / Loans1.32%1.25%1.30%1.36%1.51%1.52%1.54%1.49%+13 bps
Allowance Coverage of NPLsn/an/an/a3.0x3.2x0.5x0.5x0.6x-2.4x
Capital
Tier 1 Leverage Ratio12.22%12.35%12.70%13.49%13.33%12.88%13.66%11.45%-204 bps
Total Risk-Based Capital12.22%12.35%12.70%13.49%13.33%12.88%13.66%11.45%-204 bps
Equity / Assets11.65%11.42%12.32%12.81%12.76%12.65%13.26%10.95%-185 bps
Liquidity & Funding
Loans / Deposits61.15%67.89%69.88%69.92%63.34%64.17%68.28%68.87%-106 bps
Liquid Assets / Assets0.78%0.78%0.82%0.83%1.19%4.92%0.80%1.21%+38 bps
CRE / Total Capitaln/an/an/an/a270%289%296%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankcda

Coeur D'Alene, ID · Cert 57074 · Peer group: banks under $1B in assets (n=581-629) · Coeur D Alene Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

$238.9MAssets
$144.8MLoans
$210.3MDeposits
$26.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets (rank 536 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.84%

Rank 401 of 629

Net Interest Margin

4.12%

Rank 138 of 629

Efficiency Ratio

78.72%

Rank 469 of 629

Equity / Assets

10.95%

Rank 291 of 629

Non-interest income vs. expense

$1.0M$8.5MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 26% of banks under $1B in assets
Bank 78.72%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.84%0.60%1.01%1.45%Beats 36%401 / 629
Return on Equity7.67%5.38%9.30%13.28%Beats 37%395 / 629
Net Interest Margin4.12%3.03%3.54%4.05%Beats 78%138 / 629
Efficiency Ratio78.72%58.35%67.79%79.08%Beats 26%469 / 629
Asset Quality
Nonperforming Loans / Loans2.70%0.09%0.46%1.20%Beats 8%536 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.45%11.24%13.84%18.77%Beats 27%457 / 629
Total Risk-Based Capital Ratio11.45%11.58%14.43%19.66%Beats 23%482 / 629
Equity / Assets10.95%9.09%10.65%13.80%Beats 54%291 / 629
Liquidity & Funding
Loans / Deposits68.87%67.24%80.90%93.48%28th pctl427 / 594
Loans / Assets60.62%53.31%67.71%78.15%35th pctl409 / 629
Brokered Deposits / Depositsn/aNot reported for this institution