Idaho First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Idaho First Bank of McCall, ID against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.04% | 1.46% | -0.42% | 32nd below |
| ROAE | 10.12% | 12.72% | -2.60% | 33rd below |
| Net Interest Margin | 3.24% | 3.85% | -0.61% | 24th bottom |
| Efficiency Ratio | 49.68% | 57.41% | -7.73% | 76th top |
| PPNR / Avg Assets | 1.67% | 1.88% | -0.21% | 46th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.70% | 5.72% | -0.02% | 60th above |
| Cost of Funds | 2.74% | 2.02% | +0.72% | 14th bottom |
| Net Interest Spread | 2.29% | 3.18% | -0.89% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 1.00% | -0.95% | 93rd top |
| NPA / Total Assets | 0.03% | 0.76% | -0.73% | 93rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.43% | -0.26% | 21st bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.31% | -0.08% | 63rd above |
| ACL / NPLs (Coverage) | 2613.68% | 542.24% | +2071.44% | — |
| Texas Ratio | 0.29% | 7.39% | -7.10% | 93rd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 407.16% | 618.73% | -211.57% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.00% | 17.34% | -3.34% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.00% | 17.37% | -3.37% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.17% | 18.42% | -3.25% | 59th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.47% | 11.44% | -0.97% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.50% | 11.34% | -0.84% | 52nd above |
| TCE / Tangible Assets | 10.50% | 10.50% | +0.00% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.20% | 86.96% | -8.76% | 74th above |
| Core Deposit Ratio | 96.00% | 85.55% | +10.45% | 90th top |
| Uninsured Deposit Ratio | 36.03% | 33.12% | +2.91% | 36th below |
| Wholesale Funding Ratio | 0.13% | 5.71% | -5.58% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.91% | 9.67% | +13.24% | 93rd top |
| Loan Growth (Y/Y) | 48.79% | 8.03% | +40.76% | 98th top |
| Deposit Growth (Y/Y) | 21.24% | 7.86% | +13.38% | 91st top |
See Idaho First Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Idaho First Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Idaho First Bank profile, how to read a UBPR, or how this data updates.