Idaho First Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 1136.72 percentage points in Q2 2026, from 1476.95% to 2613.68%. It was the largest change from Q1 2026 among the key lines here. Within Idaho, Idaho First Bank is 7th of 10 on return on assets, 1.04% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Idaho First Bank sits 0.23 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.00% |
| Tier 1 risk-based capital ratio | 14.00% |
| Total risk-based capital ratio | 15.17% |
| Tier 1 leverage ratio | 10.47% |
| Equity capital to assets | 10.50% |
| Tangible equity to tangible assets | 10.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 0.29% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 2613.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 10.12% |
| Net interest margin | 3.24% |
| Efficiency ratio | 49.68% |
| Yield on earning assets | 5.70% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.20% |
| Core deposits to total deposits | 96.00% |
| Brokered deposits to total deposits | 0.44% |
| Deposits to assets | 89.05% |
| Securities to assets | 0.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.53% | 10.53% | 11.76% | 9.15% | 1.14% |
| Q4 2023 | 12.36% | 12.36% | 13.57% | 11.02% | 1.09% |
| Q1 2024 | 12.49% | 12.49% | 13.72% | 10.82% | 1.00% |
| Q2 2024 | 12.77% | 12.77% | 14.01% | 10.83% | 0.90% |
| Q3 2024 | 13.57% | 13.57% | 14.81% | 10.94% | 0.88% |
| Q4 2024 | 15.14% | 15.14% | 16.39% | 10.47% | 0.71% |
| Q1 2025 | 15.61% | 15.61% | 16.84% | 10.66% | 0.71% |
| Q2 2025 | 15.31% | 15.31% | 16.47% | 10.18% | 0.55% |
| Q3 2025 | 15.34% | 15.34% | 16.49% | 10.16% | 0.68% |
| Q4 2025 | 14.96% | 14.96% | 16.11% | 10.18% | 0.73% |
| Q1 2026 | 14.77% | 14.77% | 15.98% | 10.25% | 0.67% |
| Q2 2026 | 14.00% | 14.00% | 15.17% | 10.47% | 1.04% |
Idaho First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Idaho First Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)