FDIC Cert #35103 · Boise, Idaho · Est. 1994

Idaho Trust Bank - FDIC Bank Health Profile

A community-scale look at Idaho Trust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$243M
Total assets
A
Health grade · Excellent
1.66%
Return on assets
14.4%
Tier 1 capital

Data updated July 2026

The verdict

Idaho Trust Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 14.45% Tier 1, profitable at 1.66% ROA, 62% efficiency ratio.

#2,771
largest of 4,313 FDIC banks by assets
36th
percentile by asset size, nationally
14.45%
Tier 1 ratio - above the 10% well-capitalized line
81st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 35103 · ID A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #1037/4307
  • PHOTO-FINISH Commerce Bank · MS
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.66% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Idaho: Commerce Bank, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Idaho Trust Bank

Lowest and highest poles plus nearest scored peers outside Idaho, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cogent Bank · FL · near88/100Commerce Bank · MS · near88/100Great American Bank · KS · n…88/100Idaho Trust Bank · ID · thi…88/100New Peoples Bank, Inc. · VA …88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Idaho Trust Bank · July 2026

Plate reading for Idaho Trust Bank where failures stay rare

Idaho Trust Bank (FDIC Cert #35103) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,037 of 4,307. Tier 1 capital prints at 14.45%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.66%. Balance-sheet scale is $243M, 2,771st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Commerce Bank (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Idaho Trust Bank

Only 2 FAILURE resolutions in Idaho since 2000

Idaho Trust Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • SYRINGA BANK BOISE, ID 2014 → SUNWEST BANK
  • FIRST BANK OF IDAHO, FSB KETCHUM, ID 2009 → U.S. BANK, NATIONAL ASSOCIATION
  • FIRST BANK & TRUST OF IDAHO MALAD CITY, ID 1986 → IDAHO FIRST NATIONAL BAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Idaho banks.

How Idaho Trust Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Idaho Trust Bank's composite health score
Tier 1 Capital Ratio (14.45%) 35/40
Return on Assets (ROA) (1.66%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (62.22%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$243M

Total balance-sheet footings

Total Deposits

$213M

Customer-funded liabilities

Net Loans

$154M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.05% 14.45% 15.85%
Basel III capital ratios - Idaho Trust Bank

Where Idaho Trust Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Idaho Trust Bank's score of 88/100 falls in the highlighted band.

Idaho Trust Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 24% higher than 76% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Idaho Trust Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Idaho Trust Bank'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). Idaho Trust Bank's $243M falls in the highlighted band.

Safety metrics: Idaho Trust Bank

Tier 1 capital ratio
Well-capitalized 10%

14.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.45%
Texas Ratio
0.00%
Equity Capital
$26M

What these ratios mean →

Earnings posture at Idaho Trust Bank

Return on Assets (ROA)
81st percentile nationally
1.66%
Return on Equity (ROE)
15.00%
Efficiency Ratio
62.22%

What these mean →

Income & expense at Idaho Trust Bank

$12M
Interest Income
$6M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Idaho Trust Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Idaho Trust Bank on FDIC BankFind →

Top banks in Idaho by total assets

Largest banks headquartered in Idaho
  1. 1
    D. L. Evans Bank $3.7B

    Burley, ID · Grade A

  2. 2
    The Bank of Commerce $2.3B

    Ammon, ID · Grade A

  3. 3
    Northwest Bank $1.5B

    Boise, ID · Grade A

  4. 4
    Idaho First Bank $1.5B

    Mccall, ID · Grade B

  5. 5
    First Federal Savings Bank of Twin Fa… $1.4B

    Twin Falls, ID · Grade B

Top 5 banks in Idaho ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($243M here), outside Idaho so the neighborhood is not state containment.

Citizens Bank of Eldon $243M · MO Guadalupe Bank $243M · TX First State Bank of Wyoming $244M · MN The Tri-County Bank $244M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Idaho Trust Bank (FDIC Cert #35103) - 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.

Idaho Trust Bank Call Report profile · FDIC Failed Bank List · Idaho FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Idaho

All Idaho banks →
BankAssetsGradeROA
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%
bankcdaCoeur D Alene $243M B 0.80%