The Bank of Commerce (Idaho Falls, ID)
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Commerce is an FDIC-insured commercial bank headquartered in Idaho Falls, ID, established in 1959 (FDIC certificate 18059), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.34B, up 7.3% from Q2 2025, the 2nd largest of 10 banks headquartered in Idaho. Its CET1 capital ratio was 19.09% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18059
- Headquarters
- Idaho Falls, ID
- Established
- 1959
- Total assets, Q2 2026
- $2.34B
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 19.09%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 124100417
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Commerce call report
- Asset rank in state
- 2nd of 10 in Idaho
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%. The figures come from its call report filed with the FFIEC.
Of the 10 banks headquartered in Idaho, The Bank of Commerce is the 2nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.9% to $2.34B, loans rose 4.8% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 21.5% of total loans, followed by agricultural production loans at 15.5%. The FDIC Summary of Deposits lists 17 offices for it, in 13 cities across 2 states; its Idaho Falls 4 offices book 24% of its branch deposits. Judged on its Q2 2026 call report, The Bank of Commerce meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 17 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Commerce's total assets ranged from $1.97B (Q3 2023) to $2.34B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.34B total assets against $2.18B; $2.00B total liabilities against $1.87B.
$1.74B net loans and leases against $1.51B; $1.93B total deposits against $1.81B.
$366.8M securities against $385.9M; $154.0M cash and balances due against $205.7M.
$34.0M total interest income against $33.5M; $8.4M total interest expense against $8.9M.
$25.7M net interest income against $24.6M.
$1.6M total noninterest income against $1.5M; $9.3M total noninterest expense against $8.6M.
$2.4M provision for credit losses against $444K.
$11.8M net income against $12.9M.
2.03% return on assets against 2.31%; 4.57% net interest margin against 4.61%.
19.09% CET1 capital ratio against 19.88%; 15.69% tier 1 leverage ratio against 15.19%.
Inside the full The Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Commerce rankings
Its closest position to the top of a national ranking is 80 of 3,606, for efficiency ratio; its furthest is 1,066 of 3,640, for Texas Ratio.
Metric pages for The Bank of Commerce: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.44% (Q4 2025) to 2.43% (Q3 2025) and its net interest margin ran from 4.44% (Q1 2025) to 4.62% (Q3 2025).
| 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% | 0.31% | 1.41% | 4.61% |
| Q1 2025 | 20.49% | 2.34% | 0.28% | 1.21% | 4.44% |
| Q4 2024 | 18.10% | 1.73% | 1.07% | 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
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 4.3% of deposits in ID, rank 8 of 29 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Bank of Commerce headquartered?
It is headquartered in Idaho Falls, ID, United States.
When was The Bank of Commerce founded?
It was established in 1959, per the FDIC institution directory.
Is The Bank of Commerce FDIC-insured?
Yes. It 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.
What is The Bank of Commerce's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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