Idaho Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
Idaho Trust Bank is an FDIC-insured commercial bank headquartered in Boise, ID, established in 1994 (FDIC certificate 35103), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $255.6M, up 11.4% from Q2 2025, the 8th largest of 10 banks headquartered in Idaho. Its CET1 capital ratio was 14.10% 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
- 35103
- Headquarters
- Boise, ID
- Established
- 1994
- Total assets, Q2 2026
- $255.6M
- Assets vs Q2 2025
- +11.4%
- CET1 ratio, Q2 2026
- 14.10%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 124103841
- Latest call report
- Q2 2026, FFIEC 051 · Idaho Trust Bank call report
- Holding company
- IDAHO TRUST BANCORP
- Asset rank in state
- 8th of 10 in Idaho
Idaho Trust Bank, based in Boise, Idaho, reported $256 million in assets at June 30, 2026, up 11.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Idaho Trust Bank reported a CET1 capital ratio of 14.10%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Idaho Trust Bank ranks as the 8th largest of the 10 banks based in Idaho, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 9.9% to $255.6M, loans rose 4.7% and deposits rose 11.1%. 1-4 family residential loans made up 33.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.0%. The FDIC Summary of Deposits lists 2 offices for it, in Boise, ID and Coeur D Alene, ID; its Boise office books 92% of its branch deposits. On its Q2 2026 call report, Idaho Trust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 888 W Broad St, Boise, ID 83702
- County
- Ada
- Metro Area
- Boise City, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 30, 1994
- Former names
- Idaho Trust National Bank (2003-2008); Wealthbank, National Association (1999-2003)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $225.5M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $237.8M
- Average total loans
- $163.5M
- Average interest-bearing deposits
- $165.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 30, 2006
- FDIC Cert
- 35103
- Fed RSSD
- 2753917
- SEC CIK
- 1267664 → filed by IDAHO TRUST BANCORP
- Website
- www.idahotrust.com →
- Parent Holding Company
- IDAHO TRUST BANCORP (RSSD 3439713)
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
Idaho Trust Bank's total assets moved between a low of $189.1M (Q4 2023) and a high of $255.6M (Q2 2026) from Q3 2023 to Q2 2026, 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
$255.6M total assets against $229.5M; $229.2M total liabilities against $205.6M.
$167.2M net loans and leases against $152.2M; $225.5M total deposits against $205.3M.
$13.8M securities against $14.5M; $68.5M cash and balances due against $56.6M.
$3.2M total interest income against $2.9M; $729K total interest expense against $777K.
$2.5M net interest income against $2.1M.
$409K total noninterest income against $330K; $2.2M total noninterest expense against $1.8M.
$0 provision for credit losses against $0.
$530K net income against $553K.
0.89% return on assets against 1.05%; 4.26% net interest margin against 4.14%.
14.10% CET1 capital ratio against 13.37%; 11.23% tier 1 leverage ratio against 11.22%.
Inside the full Idaho Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Idaho Trust Bank rankings
Its closest position to the top of a national ranking is 1,094 of 2,134, for CET1 ratio; its furthest is 3,503 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q3 2024) to 3.33% (Q4 2025) and its net interest margin ran from 3.66% (Q3 2024) to 4.26% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.10% | 0.89% | 0.00% | 0.00% | 4.26% |
| Q1 2026 | 14.38% | 0.92% | 0.00% | 0.00% | 4.18% |
| Q4 2025 | 14.45% | 3.33% | 0.00% | 0.00% | 4.02% |
| Q3 2025 | 12.90% | 1.13% | 0.00% | 0.00% | 4.11% |
| Q2 2025 | 13.37% | 1.05% | 0.00% | 0.00% | 4.14% |
| Q1 2025 | 13.66% | 0.87% | 0.00% | 0.00% | 4.10% |
| Q4 2024 | 14.05% | 1.65% | 0.00% | 0.00% | 4.01% |
| Q3 2024 | 14.47% | 0.82% | 0.00% | 0.00% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Idaho Trust Bank (main office) | Boise , ID | 83702 | $208.3M |
| Coeur D' Alene Branch | Coeur D Alene , ID | 83814 | $17.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in ID, rank 22 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 9 loans, $3.0M approved, $334K 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 Idaho Trust Bank
What are Idaho Trust Bank's total assets?
As of the Q2 2026 filing, Idaho Trust Bank reported total assets of $255.6 million in its FFIEC call report.
Where is Idaho Trust Bank headquartered?
It is headquartered in Boise, ID, United States.
When was Idaho Trust Bank founded?
It was established in 1994, per the FDIC institution directory.
Is Idaho Trust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Idaho Trust Bank?
Idaho Trust Bank's primary federal regulator is the FDIC.
What is Idaho Trust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Idaho Trust Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Idaho Trust Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Idaho Trust Bank previously called?
The charter now named Idaho Trust Bank has also operated as Idaho Trust National Bank (2003-2008), Wealthbank, National Association (1999-2003), per FDIC structure-change records.
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