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Profitability · Idaho

Most Efficient US Banks (Lowest Efficiency Ratio) in Idaho

Ranked among banks headquartered in Idaho. Re-ranked 1-11 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): BANK OF COMMERCE, THE — 32.45% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 11 banks with reported data Showing: Top 11 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Bank of Commerce, the Idaho Falls , ID 32.45% $2.26B
2 Twin River Bank Lewiston , ID 41.27% $172.6M
3 Farmers Bank Buhl , ID 46.63% $664.8M
4 Bank of Idaho Idaho Falls , ID 50.59% $1.30B
5 D.L. Evans Bank Burley , ID 50.60% $3.66B
6 Northwest Bank Boise , ID 52.72% $1.46B
7 Idaho First Bank Mccall , ID 55.96% $1.37B
8 First Federal Savings Bank of Twin Falls Twin Falls , ID 70.40% $1.44B
9 Idaho Trust Bank Boise , ID 75.32% $232.6M
10 Ireland Bank Malad City , ID 75.43% $361.7M
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11 Bankcda Coeur D'Alene , ID 80.72% $232.8M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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