Idaho Trust 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.
Loan-to-deposit ratio dropped 4.63 percentage points in Q2 2026, from 79.64% to 75.02%. It was the largest change from Q1 2026 among the key lines here. Idaho Trust Bank ranks 7th of 10 Idaho banks on loan-to-deposit ratio, in the lower half at 75.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Idaho Trust Bank sits 5.82 points lower, at 75.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $169.2M |
| Net loans and leases | $167.2M |
| Loans held for sale | $0 |
| Loans to total assets | 66.18% |
| Loan-to-deposit ratio | 75.02% |
| Net loans to equity capital | 6.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.13% |
| Multifamily (5+ residential) | 8.61% |
| Commercial and industrial | 14.29% |
| Consumer | 6.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.87% |
| Construction concentration (Tier 1 capital + allowance) | 29.22% |
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 | — |
| Interest income on loans | $2.6M |
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 | $108.8M | $174.0M | 36.03% | 13.78% | 1.72% |
| Q4 2023 | $119.8M | $164.2M | 35.78% | 12.56% | 5.98% |
| Q1 2024 | $118.0M | $157.1M | 38.34% | 12.53% | 6.20% |
| Q2 2024 | $117.0M | $155.6M | 39.00% | 12.51% | 6.26% |
| Q3 2024 | $124.6M | $167.0M | 35.06% | 13.88% | 5.72% |
| Q4 2024 | $138.5M | $175.5M | 37.87% | 14.43% | 5.40% |
| Q1 2025 | $151.4M | $178.6M | 35.88% | 16.02% | 4.98% |
| Q2 2025 | $153.5M | $205.3M | 35.42% | 16.36% | 4.88% |
| Q3 2025 | $159.7M | $209.2M | 34.60% | 16.45% | 4.81% |
| Q4 2025 | $155.6M | $213.0M | 34.68% | 16.68% | 4.63% |
| Q1 2026 | $161.6M | $203.0M | 35.09% | 16.24% | 4.76% |
| Q2 2026 | $169.2M | $225.5M | 33.13% | 14.29% | 6.00% |
Idaho Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Idaho Trust 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35103) · FFIEC NIC profile (RSSD 2753917)