The Bank of Commerce (Idaho Falls, ID): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 1.35% from 0.74% in the prior period. The Bank of Commerce is a community bank chartered in 1959, based in Idaho Falls, ID, during the postwar banking-system expansion. On its most recent Q2 2026 call report, The Bank of Commerce reported $2.3B in total assets against $1.9B in deposits. Profitability is strong, 2.03% ROA, paired with 13.86% ROE and a 4.57% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 19.09% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 1.35% NPL ratio. Its footprint covers 17 branches concentrated in Idaho.
As of June 30, 2026, The Bank of Commerce reported a CET1 capital ratio of 19.09%, a return on assets of 2.03%, a nonperforming-loan ratio of 1.35%, a Texas ratio of 6.36%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3113 S 25th E, Idaho Falls, ID 83406
- County
- Bonneville
- Metro Area
- Idaho Falls, 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 041
- Established
- August 1, 1959
- Former names
- The Bank of Commerce (1973)
- Offices
- 17 domestic
- Employees (FTE)
- 224
- Domestic deposits
- $1.93B
- Allowance for credit losses
- $28.2M
- Net charge-offs (YTD)
- $4.8M
- Average total assets
- $2.33B
- Average total loans
- $1.73B
- Average interest-bearing deposits
- $1.34B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 1959
- FDIC Cert
- 18059
- Fed RSSD
- 324863
- Website
- www.bofc.bank →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of Commerce terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank of Commerce, freeThe Bank of Commerce rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Bank of Commerce: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.09% | 2.03% | 1.35% | 6.36% | 4.57% |
| Q1 2026 | 19.37% | 2.22% | 0.74% | 3.40% | 4.54% |
| Q4 2025 | 19.12% | 1.44% | 0.58% | 2.69% | 4.59% |
| Q3 2025 | 20.88% | 2.43% | 0.25% | 1.11% | 4.62% |
| Q2 2025 | 19.88% | 2.31% | 0.25% | 1.41% | 4.61% |
| Q1 2025 | 20.49% | 2.34% | 0.28% | 1.21% | 4.44% |
| Q4 2024 | 18.10% | 1.73% | 0.40% | 4.89% | 4.47% |
| Q3 2024 | 19.01% | 2.41% | 0.41% | 1.79% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Commerce | Ammon , ID | 83406 | $313.3M |
| Blackfoot Branch | Blackfoot , ID | 83221 | $210.3M |
| Idaho Falls - Northgate Branch | Idaho Falls , ID | 83401 | $185.0M |
| Rexburg Branch | Rexburg , ID | 83440 | $157.1M |
| Dillon - Montana Branch | Dillon , MT | 59725 | $132.2M |
| Shelley Branch | Shelley , ID | 83274 | $123.4M |
| Downtown Branch | Idaho Falls , ID | 83402 | $115.5M |
| Rigby Branch | Rigby , ID | 83442 | $107.4M |
| Driggs Branch | Driggs , ID | 83422 | $106.1M |
| Rexburg South Branch | Rexburg , ID | 83440 | $99.9M |
| Idaho Falls - Westside Branch | Idaho Falls , ID | 83402 | $82.4M |
| Idaho Falls - Eastside Branch | Idaho Falls , ID | 83404 | $79.1M |
| Mud Lake Branch | Terreton , ID | 83450 | $67.3M |
| American Falls Branch | American Falls , ID | 83211 | $65.1M |
| Ririe Branch | Ririe , ID | 83443 | $51.8M |
| The Bank of Commerce - Burley Branch | Burley , ID | 83318 | $19.3M |
| Pocatello Branch | Pocatello , ID | 83201 | $18.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 14, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2012 | Structure Change | Acquired State Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Bank of Commerce, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.3% of deposits in ID, rank 8 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 158 applications, 115 loans originated, $54.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Bank of Commerce’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Bank of Commerce with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The Bank of Commerce
What are The Bank of Commerce's total assets?
As of the Q2 2026 filing, The Bank of Commerce reported total assets of $2.34 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Commerce headquartered?
The Bank of Commerce is headquartered in Idaho Falls, ID, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of Commerce founded?
The Bank of Commerce was established in 1959, per the FDIC institution directory.
Is The Bank of Commerce FDIC-insured?
Yes. The Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #18059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Commerce?
The Bank of Commerce's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of Commerce's CET1 capital ratio?
The Bank of Commerce reported a Common Equity Tier 1 (CET1) capital ratio of 19.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Commerce operate?
The Bank of Commerce operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Commerce's Texas Ratio?
The Bank of Commerce's Texas Ratio is 6.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of Commerce previously called?
The charter now named The Bank of Commerce has also operated as The Bank of Commerce (1973), per FDIC structure-change records.
Go deeper on The Bank of Commerce.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Bank of Commerce, freeFree account