Bankcda
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Data as of · sourced from FFIEC call reports. How we update
Bankcda is an FDIC-insured commercial bank headquartered in Coeur D'Alene, ID, established in 2001 (FDIC certificate 57074), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $238.9M, up 5.1% from Q2 2025, the 9th largest of 10 banks headquartered in Idaho. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.45% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57074
- Headquarters
- Coeur D'Alene, ID
- Established
- 2001
- Total assets, Q2 2026
- $238.9M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 11.45%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 123103826
- Holding company
- COEUR D'ALENE BANCORP
- Asset rank in state
- 9th of 10 in Idaho
Problem loans are rising at Bankcda. Its balance sheet stood at $239 million at June 30, 2026, up 5.1% from a year earlier; it is based in Coeur D'Alene, Idaho. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.70% of loans from 0.46% a year earlier. It pays an average of 0.90% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 13.8% of the capital and reserves that would absorb them, 5.2 times the median of 2.6% for banks its size.
Net income for the quarter rose 20% from a year earlier, to $531,000. Delinquency has appeared in its $22 million commercial and industrial book: 0.69% of those loans are past due or on nonaccrual, against almost none a year earlier. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Bankcda reported a return on assets of 0.89%, a nonperforming-loan ratio of 2.70% and a Texas ratio of 13.82%. The figures come from its call report filed with the FFIEC.
Of the 10 banks headquartered in Idaho, Bankcda is the 9th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.6% to $238.9M, loans rose 6.2% and deposits rose 5.3%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 28.8% of total loans, ahead of construction and land development loans at 16.6%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 2 states; its Coeur D Alene office books 40% of its branch deposits. Judged on its Q2 2026 call report, Bankcda meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 912 Northwest Blvd, Coeur D'Alene, ID 83814
- County
- Kootenai
- Metro Area
- Coeur D'Alene, 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
- —
- Call Report form
- FFIEC 051
- Established
- May 17, 2001
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $210.3M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- -$13K
- Average total assets
- $237.7M
- Average total loans
- $137.3M
- Average interest-bearing deposits
- $155.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 17, 2001
- FDIC Cert
- 57074
- Fed RSSD
- 3010363
- SEC CIK
- 1496955 → filed by COEUR D'ALENE BANCORP
- Website
- www.bankcda.bank →
- Parent Holding Company
- COEUR D'ALENE BANCORP (RSSD 3780938)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bankcda reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bankcda's total assets ran between $227.4M (Q2 2025) and $242.8M (Q4 2025), 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
$238.9M total assets against $227.4M; $212.7M total liabilities against $198.3M.
$142.7M net loans and leases against $135.0M; $210.3M total deposits against $195.7M.
$73.3M securities against $68.2M; $9.9M cash and balances due against $11.5M.
$3.0M total interest income against $2.9M; $460K total interest expense against $606K.
$2.5M net interest income against $2.3M.
$255K total noninterest income against $241K; $2.1M total noninterest expense against $1.8M.
$0 provision for credit losses against $106K.
$531K net income against $442K.
0.89% return on assets against 0.78%; 4.53% net interest margin against 4.29%.
11.45% tier 1 leverage ratio against 13.49%.
Inside the full Bankcda terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBankcda rankings
Its closest position to the top of a national ranking is 365 of 3,640, for Texas Ratio; its furthest is 3,085 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.54% (Q3 2024) to 1.03% (Q4 2025) and its net interest margin ran from 3.43% (Q3 2024) to 4.53% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.45% | 0.89% | 2.70% | 13.82% | 4.53% |
| Q1 2026 | 13.66% | 0.81% | 2.87% | 11.87% | 4.37% |
| Q4 2025 | 12.88% | 1.03% | 2.92% | 11.99% | 4.21% |
| Q3 2025 | 13.33% | 0.83% | 0.47% | 1.87% | 4.43% |
| Q2 2025 | 13.49% | 0.78% | 0.46% | 2.03% | 4.29% |
| Q1 2025 | 12.70% | 0.55% | 0.00% | 0.00% | 3.80% |
| Q4 2024 | 12.35% | 1.03% | 0.00% | 0.00% | 3.68% |
| Q3 2024 | 12.22% | 0.54% | 0.00% | 0.00% | 3.43% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Bankcda (main office) | Coeur D Alene , ID | 83814 | $83.7M |
| Hayden Branch | Hayden , ID | 83835 | $59.2M |
| Kellogg Branch | Kellogg , ID | 83837 | $50.7M |
| Post Falls Branch | Post Falls , ID | 83854 | $11.0M |
| Spokane Branch | Spokane , WA | 99208 | $3.5M |
| Richland Branch | Richland , WA | 99352 | $2.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in ID, rank 23 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.5M approved, $1.2M 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, Mortgage lending (HMDA), 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 Bankcda
What are Bankcda's total assets?
As of the Q2 2026 filing, Bankcda reported total assets of $238.9 million in its FFIEC call report.
Where is Bankcda headquartered?
It is headquartered in Coeur D'Alene, ID, United States.
When was Bankcda founded?
It was established in 2001, per the FDIC institution directory.
Is Bankcda FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankcda?
Bankcda's primary federal regulator is the FDIC.
How many branches does Bankcda operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bankcda's Texas Ratio?
Its Texas Ratio is 13.82% 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.
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