Total Assets
$243M
Total balance-sheet footings
FDIC Cert #57074 · Coeur D Alene, Idaho · Est. 2001
bankcda - FDIC Bank Health Profile
A community-scale look at bankcda's own numbers, pulled straight from its quarterly FDIC Call Report.
- $243M
- Total assets
- B
- Health grade · Good
- 0.80%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
bankcda earns a PlainBankData health grade of B (69/100), with well-capitalized at 12.88% Tier 1, 0.80% ROA, 74% efficiency ratio.
- #2,776
- largest of 4,313 FDIC banks by assets
- 36th
- percentile by asset size, nationally
- 12.88%
- Tier 1 ratio - above the 10% well-capitalized line
- 29th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How bankcda's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
bankcda's composite health score
Tier 1 Capital Ratio (12.88%) 35/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (11.97%) 16/20
Efficiency Ratio (74.18%) 4/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$209M
Customer-funded liabilities
Net Loans
$132M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where bankcda ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. bankcda's score of 69/100 falls in the highlighted band.
bankcda's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). bankcda's $243M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.88% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.88%
Texas Ratio
11.97%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
6.42%
Efficiency Ratio
74.18%
What the numbers say about bankcda
bankcda is an FDIC-insured institution (Certificate #57074) headquartered in Coeur D Alene, Idaho, established in 2001. It holds $243M in total assets - 2,776th of 4,313 FDIC-insured banks, $209M in customer deposits, and $132M in net loans. On safety, its Tier 1 capital ratio of 12.88% is above the 10% well-capitalized threshold, and its Texas Ratio of 11.97% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (69/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Idaho, bankcda ranks 9th of 10 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$977K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. bankcda reports a Texas Ratio of 11.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Idaho by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) bankcda (FDIC Cert #57074) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Idaho
All Idaho banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| D. L. Evans BankBurley | $3.7B | A | 1.12% |
| The Bank of CommerceAmmon | $2.3B | A | 2.13% |
| Northwest BankBoise | $1.5B | A | 1.68% |
| Idaho First BankMccall | $1.5B | B | 0.65% |
| First Federal Savings Bank of Twin FallsTwin Falls | $1.4B | B | 0.82% |
| Farmers BankBuhl | $668M | A | 1.49% |
| Ireland BankMalad City | $371M | B | 0.85% |
| Idaho Trust BankBoise | $243M | A | 1.66% |
Frequently asked questions
What is bankcda's health grade?▼
bankcda receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is bankcda?▼
bankcda holds $243M in total assets and $209M in deposits, ranking 2,776th of 4,313 FDIC-insured banks by asset size. It is headquartered in Coeur D Alene, Idaho.
Is my money safe at bankcda?▼
Yes, deposits at bankcda (Certificate #57074) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is bankcda's Tier 1 Capital Ratio?▼
bankcda has a Tier 1 Capital Ratio of 12.88%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for bankcda?▼
bankcda has a Texas Ratio of 11.97%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is bankcda?▼
bankcda has an Efficiency Ratio of 74.18%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read bankcda's profile as a depositor or analyst.
- bankcda's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare bankcda against other Idaho banks before moving funds. Idaho banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.