Idaho First Bank
McCall, ID · Cert 58095 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Bawag Group Ag
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.4BAssets
$946.1MLoans
$1.2BDeposits
$142.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 96% of banks $1B-$10B in assets operating regionally (rank 8 of 178).
- Widest gap: return on equity trails 83% of banks $1B-$10B in assets operating regionally (rank 147 of 178).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.86%
Rank 140 of 178
Net Interest Margin
3.15%
Rank 144 of 178
Efficiency Ratio
52.75%
Rank 48 of 178
Equity / Assets
10.50%
Rank 81 of 178
Non-interest income vs. expense
Unfavorable gap of $22.0M · efficiency ratio beats 74% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.91% | 1.25% | 1.53% | Beats 21% | 140 / 178 | |
| Return on Equity | 8.22% | 9.18% | 11.89% | 14.44% | Beats 17% | 147 / 178 | |
| Net Interest Margin | 3.15% | 3.22% | 3.56% | 3.91% | Beats 19% | 144 / 178 | |
| Efficiency Ratio | 52.75% | 52.04% | 58.90% | 67.10% | Beats 74% | 48 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.29% | 0.60% | 1.26% | Beats 96% | 8 / 178 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 37% | 113 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 14.00% | 11.19% | 12.72% | 14.14% | Beats 71% | 51 / 178 | |
| Total Risk-Based Capital Ratio | 15.17% | 11.91% | 13.63% | 15.33% | Beats 74% | 47 / 178 | |
| Equity / Assets | 10.50% | 9.12% | 10.35% | 11.80% | Beats 54% | 81 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 78.20% | 80.94% | 89.92% | 97.12% | 17th pctl | 147 / 178 | |
| Loans / Assets | 69.63% | 69.25% | 75.52% | 80.96% | 26th pctl | 131 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |