The Bank of Commerce (Idaho Falls, ID): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Bank of Commerce. The Idaho Falls, Idaho bank had $2.3 billion in assets at June 30, 2026, up 7.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.35% of loans from 0.31% a year earlier. It spends about 34 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also funds 15.69% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Loans are outrunning deposits: over the year loans rose 15.3% and deposits rose 6.9%. The commercial and industrial book ($256 million) is worsening: 2.20% of it is past due or on nonaccrual, up from 1.42% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (43%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, The Bank of Commerce reported a CET1 capital ratio of 19.09%, a return on assets of 2.03%, a nonperforming-loan ratio of 1.35% and a Texas ratio of 6.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 3113 S 25th E, Idaho Falls, ID 83406
- County
- Bonneville
- Metro Area
- Idaho Falls, ID
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 1, 1959
- Former names
- The Bank of Commerce (1973)
- Offices
- 17 domestic
- Employees (FTE)
- 224
- Domestic deposits
- $1.93B
- Allowance for credit losses
- $28.2M
- Net charge-offs (YTD)
- $4.8M
- Average total assets
- $2.33B
- Average total loans
- $1.73B
- Average interest-bearing deposits
- $1.34B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 1959
- FDIC Cert
- 18059
- Fed RSSD
- 324863
- Website
- www.bofc.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of Commerce terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank of Commerce, freeThe Bank of Commerce rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Bank of Commerce: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.09% | 2.03% | 1.35% | 6.36% | 4.57% |
| Q1 2026 | 19.37% | 2.22% | 0.74% | 3.40% | 4.54% |
| Q4 2025 | 19.12% | 1.44% | 0.58% | 2.69% | 4.59% |
| Q3 2025 | 20.88% | 2.43% | 0.25% | 1.11% | 4.62% |
| Q2 2025 | 19.88% | 2.31% | 0.25% | 1.41% | 4.61% |
| Q1 2025 | 20.49% | 2.34% | 0.28% | 1.21% | 4.44% |
| Q4 2024 | 18.10% | 1.73% | 0.40% | 4.89% | 4.47% |
| Q3 2024 | 19.01% | 2.41% | 0.41% | 1.79% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Commerce | Ammon , ID | 83406 | $313.3M |
| Blackfoot Branch | Blackfoot , ID | 83221 | $210.3M |
| Idaho Falls - Northgate Branch | Idaho Falls , ID | 83401 | $185.0M |
| Rexburg Branch | Rexburg , ID | 83440 | $157.1M |
| Dillon - Montana Branch | Dillon , MT | 59725 | $132.2M |
| Shelley Branch | Shelley , ID | 83274 | $123.4M |
| Downtown Branch | Idaho Falls , ID | 83402 | $115.5M |
| Rigby Branch | Rigby , ID | 83442 | $107.4M |
| Driggs Branch | Driggs , ID | 83422 | $106.1M |
| Rexburg South Branch | Rexburg , ID | 83440 | $99.9M |
| Idaho Falls - Westside Branch | Idaho Falls , ID | 83402 | $82.4M |
| Idaho Falls - Eastside Branch | Idaho Falls , ID | 83404 | $79.1M |
| Mud Lake Branch | Terreton , ID | 83450 | $67.3M |
| American Falls Branch | American Falls , ID | 83211 | $65.1M |
| Ririe Branch | Ririe , ID | 83443 | $51.8M |
| The Bank of Commerce - Burley Branch | Burley , ID | 83318 | $19.3M |
| Pocatello Branch | Pocatello , ID | 83201 | $18.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 14, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2012 | Structure Change | Acquired State Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Bank of Commerce, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.3% of deposits in ID, rank 8 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 158 applications, 115 loans originated, $54.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 16 loans, $3.3M approved, $206K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank of Commerce
What are The Bank of Commerce's total assets?
As of the Q2 2026 filing, The Bank of Commerce reported total assets of $2.34 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Commerce headquartered?
The Bank of Commerce is headquartered in Idaho Falls, ID, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Bank of Commerce founded?
The Bank of Commerce was established in 1959, per the FDIC institution directory.
Is The Bank of Commerce FDIC-insured?
Yes. The Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #18059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Commerce?
The Bank of Commerce's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of Commerce's CET1 capital ratio?
The Bank of Commerce reported a Common Equity Tier 1 (CET1) capital ratio of 19.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Commerce operate?
The Bank of Commerce operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Commerce's Texas Ratio?
The Bank of Commerce's Texas Ratio is 6.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of Commerce previously called?
The charter now named The Bank of Commerce has also operated as The Bank of Commerce (1973), per FDIC structure-change records.
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