McCall, ID · Cert 58095 · Bawag Group Ag
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Boise City, ID · 2026 SOD (annual) · 5.0% share · #9 of 24 inst. · $1.0B of $19.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.67% | 0.69% | 0.65% | 1.04% | +50 bps | |
| Return on Equity | 5.73% | 7.17% | 7.52% | 6.85% | 10.12% | +439 bps | |
| Net Interest Margin | 2.94% | 2.93% | 3.05% | 3.10% | 3.21% | +27 bps | |
| Efficiency Ratio | 70.17% | 58.59% | 58.19% | 55.96% | 49.68% | -2,048 bps | |
| Non-Interest Burden | 2.02% | 1.67% | 1.73% | 1.69% | 1.54% | -49 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 65.71% | 63.33% | 75.34% | 42.64% | 22.91% | -4,280 bps | |
| Loan Growth (YoY) | 16.31% | 28.67% | 48.51% | 51.60% | 48.79% | +3,247 bps | |
| Deposit Growth (YoY) | 69.61% | 65.07% | 78.62% | 42.06% | 21.24% | -4,837 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.02% | 0.09% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.03% | 0.00% | 0.09% | 0.17% | +18 bps | |
| Allowance / Loans | 1.23% | 1.21% | 1.22% | 1.29% | 1.23% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 37.4x | 56.3x | 14.8x | 26.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.18% | 10.16% | 10.18% | 10.25% | 10.47% | +30 bps | |
| Total Risk-Based Capital | 16.47% | 16.49% | 16.11% | 15.98% | 15.17% | -130 bps | |
| Equity / Assets | 9.35% | 9.46% | 8.88% | 10.14% | 10.50% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.72% | 64.55% | 61.39% | 71.59% | 78.20% | +1,448 bps | |
| Liquid Assets / Assets | 39.05% | 39.05% | 41.32% | 34.05% | 28.55% | -1,051 bps | |
| CRE / Total Capital | n/a | 297% | 286% | 275% | n/a | n/a | |