| Metric | Idaho Trust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.4% | +7.0 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +5.9 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.3 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 8.2% | 11.9% | -3.7 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $255.6M | $225.5M | $167.2M | $26.4M | $1.1M | 0.87% | 4.12% | 0.00% |
| Q1 2026 | $232.6M | $203.0M | $159.6M | $26.0M | $529K | 0.89% | 4.09% | 0.00% |
| Q4 2025 | $243.4M | $213.0M | $153.6M | $25.5M | $3.7M | 1.66% | 4.15% | 0.00% |
| Q3 2025 | $233.5M | $209.2M | $158.4M | $23.9M | $1.6M | 1.01% | 4.14% | 0.00% |
| Q2 2025 | $229.5M | $205.3M | $152.2M | $23.9M | $991K | 0.94% | 4.10% | 0.00% |
| Q1 2025 | $202.4M | $178.6M | $150.1M | $23.6M | $438K | 0.87% | 4.16% | 0.00% |
| Q4 2024 | $201.9M | $175.5M | $137.3M | $25.7M | $2.1M | 1.03% | 3.79% | 0.00% |
| Q3 2024 | $220.2M | $167.0M | $123.3M | $25.1M | $1.2M | 0.79% | 3.63% | 0.00% |
Loan mix (Q2 2026): real estate $134.9M · commercial $24.2M · consumer $10.1M · securities $13.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Idaho Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 62.9% | 80th |
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% |
| Ratio | Idaho Trust 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% |
| Ratio | Idaho Trust 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% |
| Ratio | Idaho Trust 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% |
| Ratio | Idaho Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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