Coeur D'Alene, ID · Cert 57074 · Coeur D Alene Bcorp
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Coeur dAlene, ID · 2026 SOD (annual) · 2.9% share · #9 of 11 inst. · $0.2B of $5.3B
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 | 0.69% | 0.77% | 0.55% | 0.66% | 0.71% | 0.80% | 0.80% | 0.84% | +19 bps | |
| Return on Equity | 6.33% | 7.06% | 4.64% | 5.40% | 5.77% | 6.42% | 6.14% | 6.86% | +146 bps | |
| Net Interest Margin | 3.17% | 3.26% | 3.56% | 3.88% | 3.89% | 3.79% | 4.08% | 4.12% | +24 bps | |
| Efficiency Ratio | 72.09% | 72.01% | 76.46% | 74.18% | 74.17% | 74.18% | 81.31% | 78.72% | +454 bps | |
| Non-Interest Burden | 2.18% | 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 / Loans | 0.00% | 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 / Loans | 1.32% | 1.25% | 1.30% | 1.36% | 1.51% | 1.52% | 1.54% | 1.49% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 3.0x | 3.2x | 0.5x | 0.5x | 0.6x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.22% | 12.35% | 12.70% | 13.49% | 13.33% | 12.88% | 13.66% | 11.45% | -204 bps | |
| Total Risk-Based Capital | 12.22% | 12.35% | 12.70% | 13.49% | 13.33% | 12.88% | 13.66% | 11.45% | -204 bps | |
| Equity / Assets | 11.65% | 11.42% | 12.32% | 12.81% | 12.76% | 12.65% | 13.26% | 10.95% | -185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.15% | 67.89% | 69.88% | 69.92% | 63.34% | 64.17% | 68.28% | 68.87% | -106 bps | |
| Liquid Assets / Assets | 0.78% | 0.78% | 0.82% | 0.83% | 1.19% | 4.92% | 0.80% | 1.21% | +38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 289% | 296% | n/a | n/a | |