BlastPoint's Banking Scorecard
Idaho Trust Bank
Boise, ID
2 branches across ID
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 5 in ID.
- Deposits +9.9% year over year ($225.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.87%.
- Efficiency ratio 75.84% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Idaho Trust Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 44.6% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency Ratio 11.36% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.6M
+11.4% YoY
+9.9% QoQ
|
-$131.0M |
$386.6M
+1.2% YoY
|
$1.2B
+4.9% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$167.2M
+9.8% YoY
+4.7% QoQ
|
-$91.2M |
$258.3M
+1.7% YoY
|
$741.9M
+9.8% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$225.5M
+9.9% YoY
+11.1% QoQ
|
-$101.2M |
$326.7M
+0.7% YoY
|
$1.0B
+5.9% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
0.87%
-7.4% YoY
-2.3% QoQ
|
-0.45% |
1.32%
+10.8% YoY
|
1.42%
+7.8% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
4.12%
+0.5% YoY
+0.8% QoQ
|
+0.14% |
3.99%
+5.0% YoY
|
4.21%
+5.4% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
75.84%
-0.7% YoY
+0.7% QoQ
|
+11.36% |
64.48%
-3.2% YoY
|
57.44%
-5.2% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.19%
+207.4% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
74.13%
-0.0% YoY
-5.8% QoQ
|
-3.82% |
77.95%
+1.0% YoY
|
74.07%
+1.8% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
20.44%
-1.3% YoY
-8.7% QoQ
|
-1.59% |
22.03%
-0.6% YoY
|
28.32%
+5.3% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.71%
+195.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.10%
+5.5% YoY
-2.0% QoQ
|
-1.81% |
15.91%
+1.4% YoY
|
15.84%
+2.7% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.31%
-25.9% YoY
+87.2% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.23%
+7.1% YoY
|
0.66%
+5.2% YoY
|
74% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.4%
-0.3pp YoY -2.0pp QoQ |
-1.7pp | 22.1% | 28.3% | 22.2% | 47% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.5%
-2.0pp YoY -2.0pp QoQ |
+2.9pp | 11.6% | 16.5% | 12.5% | 74% |
| CRE |
47.3%
+1.2pp YoY -0.9pp QoQ |
+7.7pp | 39.5% | 45.4% | 41.4% | 66% |
| 1-4 Family |
33.4%
0.0pp YoY +1.6pp QoQ |
+0.8pp | 32.6% | 20.7% | 31.3% | 58% |
| Consumer |
6.1%
+1.1pp YoY +1.3pp QoQ |
+2.0pp | 4.1% | 7.4% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
+0.7pp YoY -0.3pp QoQ |
-4.7pp | 18.8% | 17.1% | 19.7% | 40% |
| Leverage Ratio |
11.2%
0.0pp YoY -0.1pp QoQ |
-0.9pp | 12.2% | 12.6% | 12.6% | 54% |
| Total Capital Ratio |
15.2%
+1.1pp YoY -0.3pp QoQ |
-4.8pp | 19.9% | 18.3% | 20.8% | 39% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
38
+2 (+5.6%) YoY +1 (+2.7%) QoQ |
-21 | 58 | 143 | 482 | 39% |
| Assets per Employee ($) |
$6.7M
+5.5% YoY +7.0% QoQ |
-$791K | $7.5M | $8.0M | $8.8M | 47% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 11 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.3% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 25.14x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
0.0pp YoY -0.1pp QoQ |
-4.0pp | 12.2% | 11.8% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.4% | 1.7% | 19% |
| Net Income ($, YTD) |
$1.1M
+6.9% YoY — QoQ |
-$1.5M | $2.6M | $8.6M | $40.4M | 28% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.