Idaho First Bank
Total assets
$1.36B
▲ +22.9% YoY
Deposits
$1.21B
▲ +21.2% YoY
Loans
$934.4M
▲ +48.8% YoY
Offices
9
BAWAG GROUP AG
ROA (annualized)
0.84%
peers 1.26%
ROE (annualized)
8.56%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Idaho First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.9% | +5.5% | +17.4 pts |
| Deposit growth (YoY) | +21.2% | +5.1% | +16.2 pts |
| Loan growth (YoY) | +48.8% | +5.9% | +42.9 pts |
| ROA | 0.84% | 1.26% | -0.4 pts |
| ROE | 8.6% | 12.2% | -3.6 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
Profile
- Established
- 2005
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BAWAG GROUP AG
- Specialization
- Commercial Lending Specialization
- Address
- 475 E Deinhard Ln, Mccall, ID, 83638
- County
- Valley
- Offices
- 9
- FDIC cert #
- 58095
- RSSD ID
- 3384952
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.36B | $1.21B | $934.4M | $142.7M | $5.9M | 0.84% | 3.16% | 0.03% |
| Q1 2026 | $1.37B | $1.23B | $866.3M | $139.1M | $2.3M | 0.65% | 3.07% | 0.06% |
| Q4 2025 | $1.45B | $1.32B | $798.2M | $128.8M | $7.3M | 0.65% | 3.01% | 0.01% |
| Q3 2025 | $1.25B | $1.12B | $717.0M | $118.2M | $5.0M | 0.64% | 3.05% | 0.02% |
| Q2 2025 | $1.11B | $997.9M | $628.0M | $103.4M | $3.0M | 0.62% | 3.09% | 0.00% |
| Q1 2025 | $961.6M | $863.1M | $571.6M | $94.2M | $1.6M | 0.71% | 3.21% | 0.00% |
| Q4 2024 | $827.7M | $736.9M | $537.0M | $84.4M | $6.1M | 0.86% | 3.71% | 0.08% |
| Q3 2024 | $764.6M | $681.2M | $557.0M | $77.1M | $4.7M | 0.92% | 3.78% | 0.21% |
Loan mix (Q2 2026): real estate $497.5M · commercial $79.2M · consumer $362.4M · securities $7.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Idaho First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.26% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.2% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.70% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 59.0% | 31th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Idaho First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Idaho First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Idaho First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Idaho First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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