Idaho Trust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Idaho Trust Bank of Boise, ID against its peer group of 2672 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 | 0.89% | 1.35% | -0.46% | 27th below |
| ROAE | 8.09% | 12.06% | -3.97% | 26th below |
| Net Interest Margin | 4.26% | 3.90% | +0.36% | 68th above |
| Efficiency Ratio | 76.34% | 63.14% | +13.20% | 17th bottom |
| PPNR / Avg Assets | 1.14% | 1.64% | -0.50% | 26th below |
| Yield on Earning Assets | 5.52% | 5.65% | -0.13% | 46th below |
| Cost of Funds | 1.38% | 1.85% | -0.47% | 76th top |
| Net Interest Spread | 3.79% | 3.35% | +0.44% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.10% | 20.83% | -6.73% | 40th below |
| Tier 1 Ratio | 14.10% | 20.87% | -6.77% | 40th below |
| Total Capital Ratio | 15.17% | 21.94% | -6.77% | 39th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.23% | 12.46% | -1.23% | 54th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.33% | 11.67% | -1.34% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.33% | 11.40% | -1.07% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.02% | 78.64% | -3.62% | 61st above |
| Core Deposit Ratio | 99.44% | 87.09% | +12.35% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.38% | 6.47% | +4.91% | 86th top |
| Loan Growth (Y/Y) | 10.25% | 7.64% | +2.61% | 74th above |
| Deposit Growth (Y/Y) | 9.86% | 6.02% | +3.84% | 82nd top |
See Idaho Trust Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Idaho Trust 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 Trust Bank profile, how to read a UBPR, or how this data updates.