Idaho First Bank
BankRegReports is independent of Idaho First Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Idaho First Bank is an FDIC-insured commercial bank headquartered in McCall, ID, established in 2005 (FDIC certificate 58095), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.36B, up 22.9% from Q2 2025, the 5th largest of 10 banks headquartered in Idaho. Its CET1 capital ratio was 14.00% 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
- 58095
- Headquarters
- McCall, ID
- Established
- 2005
- Total assets, Q2 2026
- $1.36B
- Assets vs Q2 2025
- +22.9%
- CET1 ratio, Q2 2026
- 14.00%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 124103838
- Latest call report
- Q2 2026, FFIEC 051 · Idaho First Bank call report
- Holding company
- PEAK BANCORP, INC
- Asset rank in state
- 5th of 10 in Idaho
Idaho First Bank is growing quickly. It reported $1.4 billion in assets at June 30, 2026, up 22.9% from a year earlier. It carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also grew its loan book 48.8% over the year, 8.3 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $3.6 million, 152% above the same quarter a year earlier. Over the same year, loans grew 48.8% and deposits grew 21.2%. Funding is the softer spot: it pays an average of 2.74% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Idaho First Bank reported a CET1 capital ratio of 14.00%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.29%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Idaho First Bank is the 5th largest of the 10 banks headquartered in Idaho. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.9% to $1.36B, loans rose 7.8% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was other revolving consumer credit, at 28.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 15.7%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Boise office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Idaho First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 475 E Deinhard Ln, McCall, ID 83638
- County
- Valley
- 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 051
- Established
- October 3, 2005
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $11.7M
- Net charge-offs (YTD)
- $587K
- Average total assets
- $1.37B
- Average total loans
- $920.1M
- Average interest-bearing deposits
- $966.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 3, 2005
- FDIC Cert
- 58095
- Fed RSSD
- 3384952
- SEC CIK
- 1968385 → filed by BAWAG GROUP AG
- Website
- http://www.idahofirstbank.com →
- Parent Holding Company
- PEAK BANCORP, INC (RSSD 5589966)
- Ultimate Parent
- BAWAG GROUP AG (RSSD 5782440)
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, Idaho First Bank's total assets ranged from $618.0M (Q3 2023) to $1.45B (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
$1.36B total assets against $1.11B; $1.22B total liabilities against $1.00B.
$934.4M net loans and leases against $628.0M; $1.21B total deposits against $997.9M.
$7.7M securities against $14.8M; $397.8M cash and balances due against $446.1M.
$19.3M total interest income against $14.1M; $8.3M total interest expense against $6.6M.
$11.0M net interest income against $7.5M.
$374K total noninterest income against $326K; $5.6M total noninterest expense against $5.5M.
$903K provision for credit losses against $450K.
$3.6M net income against $1.4M.
1.04% return on assets against 0.55%; 3.24% net interest margin against 2.99%.
14.00% CET1 capital ratio against 15.31%; 10.47% tier 1 leverage ratio against 10.18%.
Inside the full Idaho First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIdaho First Bank rankings
Its closest position to the top of a national ranking is 806 of 4,196, for total assets; its furthest is 3,099 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.55% (Q2 2025) to 1.04% (Q2 2026) and its net interest margin ran from 2.98% (Q3 2025) to 3.79% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.00% | 1.04% | 0.05% | 0.29% | 3.24% |
| Q1 2026 | 14.77% | 0.67% | 0.09% | 0.51% | 3.14% |
| Q4 2025 | 14.96% | 0.73% | 0.02% | 0.13% | 3.10% |
| Q3 2025 | 15.34% | 0.68% | 0.03% | 0.19% | 2.98% |
| Q2 2025 | 15.31% | 0.55% | 0.00% | 0.00% | 2.99% |
| Q1 2025 | 15.61% | 0.71% | 0.00% | 0.00% | 3.18% |
| Q4 2024 | 15.14% | 0.71% | 0.13% | 0.75% | 3.41% |
| Q3 2024 | 13.57% | 0.88% | 0.29% | 1.93% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| 12th & Idaho Branch | Boise , ID | 83702 | $811.4M |
| Idaho First Bank (main office) | Mccall , ID | 83638 | $149.7M |
| Eagle Branch | Eagle , ID | 83616 | $98.7M |
| Nampa Branch | Nampa , ID | 83651 | $51.4M |
| Ketchum Branch | Ketchum , ID | 83340 | $42.0M |
| New Meadows | New Meadows , ID | 83654 | $26.6M |
| Bend Branch | Bend , OR | 97703 | $17.6M |
| Hailey Branch | Hailey , ID | 83333 | $12.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.9% of deposits in ID, rank 14 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 29 applications, 14 loans originated, $19.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.1M approved, $223K 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
Add this badge to your website
Free to use. It shows Idaho First Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Idaho First Bank with peers
Frequently asked about Idaho First Bank
What are Idaho First Bank's total assets?
As of the Q2 2026 filing, Idaho First Bank reported total assets of $1.36 billion in its FFIEC call report.
Where is Idaho First Bank headquartered?
It is headquartered in McCall, ID, United States.
When was Idaho First Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Idaho First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58095). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Idaho First Bank?
Idaho First Bank's primary federal regulator is the FDIC.
What is Idaho First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Idaho First Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Idaho First Bank's Texas Ratio?
Its Texas Ratio is 0.29% 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.
Go deeper on Idaho First Bank.
Get an email when Idaho First Bank files its next call report, and benchmark it against any peer you choose.
Unlock Idaho First Bank, freeFree account