Financial strength ranking · Idaho · Call Report data as of Q2 2026

Best Banks in Idaho by Financial Strength

Twin River Bank ranks first among the 10 banks headquartered in Idaho we score, with a financial strength score of 83.3 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Twin River Bank
Its score: 83.3 of 100
Banks scored in Idaho: 10
Its return on assets: 3.14%

Every scored bank in Idaho

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Idaho ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Twin River Bank Lewiston	83.3	3.14%	41.29%	12.76%	0.11%	$173.0M
2	Farmers Bank Buhl	74.0	1.63%	44.15%	15.90%	0.38%	$678.4M
3	The Bank of Commerce Idaho Falls	72.8	2.03%	33.69%	15.69%	1.02%	$2.34B
4	Idaho First Bank McCall	59.4	1.04%	49.68%	10.47%	0.03%	$1.36B
5	D.L. Evans Bank Burley	58.6	1.26%	51.56%	10.38%	0.13%	$3.70B
6	First Federal Savings Bank of Twin Falls Twin Falls	58.0	1.57%	65.12%	10.43%	0.00%	$1.42B
7	Northwest Bank Boise	55.1	1.52%	57.53%	16.57%	2.25%	$1.45B
8	Idaho Trust Bank Boise	48.0	0.89%	76.34%	11.23%	0.00%	$255.6M
9	Ireland Bank Malad City	30.1	0.80%	69.70%	11.50%	1.51%	$355.4M
10	Bankcda Coeur D'Alene	28.0	0.89%	75.64%	11.45%	1.64%	$238.9M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Idaho?

By our financial strength score, Twin River Bank of Lewiston ranks first among the 10 scored banks headquartered in Idaho, scoring 83.3 out of 100 for Q2 2026: return on assets of 3.14%, an efficiency ratio of 41.29%, a Tier 1 leverage ratio of 12.76% and nonperforming assets of 0.11% of total assets. Farmers Bank and The Bank of Commerce rank second and third.

How are the best banks in Idaho ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Idaho

Largest banks in Idaho Bank deposits in Idaho Largest credit unions in Idaho Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.