BlastPoint's Banking Scorecard
Idaho Trust Bank
Boise, ID
2 branches across ID
Idaho Trust Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 47.3% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency Ratio 10.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.6M
+14.9% YoY
-4.4% QoQ
|
-$153.5M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$159.6M
+6.3% YoY
+3.9% QoQ
|
-$96.1M |
$255.7M
+1.1% YoY
|
$721.8M
+11.9% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$203.0M
+13.6% YoY
-4.7% QoQ
|
-$125.0M |
$328.0M
+0.1% YoY
|
$1.0B
+7.3% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
0.89%
+2.6% YoY
-46.3% QoQ
|
-0.38% |
1.27%
+12.9% YoY
|
1.36%
+10.3% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
4.09%
-1.6% YoY
-1.4% QoQ
|
+0.16% |
3.93%
+6.0% YoY
|
4.13%
+5.6% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
75.32%
-4.3% YoY
+21.1% QoQ
|
+10.04% |
65.29%
-4.5% YoY
|
58.29%
-6.4% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.10%
+336.8% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
78.66%
-6.4% YoY
+9.1% QoQ
|
+2.02% |
76.64%
+0.8% YoY
|
73.00%
+1.9% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
22.40%
-0.8% YoY
+4.0% QoQ
|
+0.38% |
22.02%
-1.0% YoY
|
28.05%
+0.2% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.64%
+322.0% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.38%
+5.3% YoY
-0.4% QoQ
|
-1.45% |
15.83%
+1.5% YoY
|
16.15%
+4.3% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.17%
-46.9% YoY
-92.9% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.12%
+4.7% YoY
|
0.32%
+4.1% YoY
|
78% |
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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.