Idaho First Bank
McCall, ID · Cert 58095 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 92% of banks $1B-$10B in assets (rank 28 of 322).
- Widest gap: return on assets trails 78% of banks $1B-$10B in assets (rank 257 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.86%
Rank 257 of 328
Net Interest Margin
3.15%
Rank 229 of 328
Efficiency Ratio
52.75%
Rank 96 of 328
Equity / Assets
10.50%
Rank 159 of 328
Non-interest income vs. expense
Unfavorable gap of $22.0M · efficiency ratio beats 71% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.91% | 1.22% | 1.52% | Beats 22% | 257 / 328 | |
| Return on Equity | 8.22% | 8.43% | 11.45% | 14.43% | Beats 23% | 254 / 328 | |
| Net Interest Margin | 3.15% | 3.03% | 3.45% | 3.83% | Beats 30% | 229 / 328 | |
| Efficiency Ratio | 52.75% | 51.61% | 59.56% | 67.53% | Beats 71% | 96 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.24% | 0.51% | 1.03% | Beats 92% | 28 / 322 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 35% | 209 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 14.00% | 11.75% | 13.15% | 15.47% | Beats 62% | 126 / 328 | |
| Total Risk-Based Capital Ratio | 15.17% | 12.63% | 14.15% | 16.46% | Beats 63% | 120 / 328 | |
| Equity / Assets | 10.50% | 9.15% | 10.33% | 12.01% | Beats 52% | 159 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 78.20% | 76.63% | 87.92% | 95.36% | 27th pctl | 235 / 323 | |
| Loans / Assets | 69.63% | 65.18% | 74.15% | 79.98% | 35th pctl | 212 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |