Idaho First Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 11.24 percentage points in Q2 2026, from 181.45% to 170.21%. It was the largest change from Q1 2026 among the key lines here. Within Idaho, Idaho First Bank is 4th of 10 on loan-to-deposit ratio, 78.20% as of Q2 2026, above the middle of the field. Idaho First Bank reported 78.20% on loan-to-deposit ratio for Q2 2026, 10.01 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $946.1M |
| Net loans and leases | $934.4M |
| Loans held for sale | $0 |
| Loans to total assets | 69.63% |
| Loan-to-deposit ratio | 78.20% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.47% |
| Multifamily (5+ residential) | 3.75% |
| Commercial and industrial | 8.37% |
| Consumer | 38.30% |
| Credit cards | 0.00% |
| Farm | 0.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.21% |
| Construction concentration (Tier 1 capital + allowance) | 50.24% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.66% |
| Interest income on loans | $15.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $523.5M | $546.4M | 44.67% | 11.41% | 0.81% |
| Q4 2023 | $529.2M | $546.9M | 43.86% | 11.46% | 0.94% |
| Q1 2024 | $542.0M | $577.1M | 43.97% | 9.90% | 0.69% |
| Q2 2024 | $546.7M | $588.4M | 44.87% | 11.30% | 0.68% |
| Q3 2024 | $564.1M | $681.2M | 45.59% | 10.89% | 1.28% |
| Q4 2024 | $544.1M | $736.9M | 46.16% | 10.14% | 2.77% |
| Q1 2025 | $578.9M | $863.1M | 42.57% | 9.68% | 6.92% |
| Q2 2025 | $635.9M | $997.9M | 40.15% | 9.28% | 13.04% |
| Q3 2025 | $725.8M | $1.12B | 34.92% | 9.89% | 21.69% |
| Q4 2025 | $808.0M | $1.32B | 32.56% | 9.11% | 28.07% |
| Q1 2026 | $877.6M | $1.23B | 30.44% | 8.45% | 32.25% |
| Q2 2026 | $946.1M | $1.21B | 27.47% | 8.37% | 38.30% |
Idaho First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Idaho First Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Idaho First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58095) · FFIEC NIC profile (RSSD 3384952)