BlastPoint's Banking Scorecard
Idaho First Bank
Designations: ✓ Community bank
Mccall, ID
9 branches across ID · OR
Idaho First Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19.1% in tier
- + Nonperforming Asset Ratio 0.62% below tier average
- + Efficiency Ratio 5.10% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.5% in tier
- - Non-Interest Income / Assets 0.24% below tier average
- - ROA 0.72% below tier average
- - Net Interest Margin 0.75% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+42.6% YoY
-5.5% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$866.3M
+51.6% YoY
+8.5% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$721.8M
+11.9% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$1.2B
+42.1% YoY
-6.8% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$1.0B
+7.3% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
0.65%
-8.2% YoY
-0.4% QoQ
|
-0.72% |
1.37%
+19.6% YoY
|
1.36%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.3% in tier |
| Net Interest Margin ? |
3.07%
-4.3% YoY
+1.9% QoQ
|
-0.75% |
3.82%
+6.9% YoY
|
4.13%
+5.6% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
55.96%
-17.3% YoY
-11.3% QoQ
|
-5.10% |
61.06%
-4.6% YoY
|
58.29%
-6.4% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
0.09%
+304.3% QoQ
|
-0.80% |
0.89%
+14.1% YoY
|
1.10%
+336.8% YoY
|
0.95%
+18.8% YoY
|
Top 10.5% in tier |
| Loan-to-Deposit Ratio ? |
70.66%
+6.7% YoY
+16.5% QoQ
|
-13.54% |
84.20%
+0.3% YoY
|
73.00%
+1.9% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
20.04%
-22.1% YoY
-28.0% QoQ
|
-1.25% |
21.29%
-2.5% YoY
|
28.05%
+0.2% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.06%
+364.3% QoQ
|
-0.62% |
0.67%
+15.6% YoY
|
0.64%
+322.0% YoY
|
0.67%
+19.3% YoY
|
Top 9.0% in tier |
| Tier 1 Capital Ratio ? |
14.77%
-5.4% YoY
-1.3% QoQ
|
-0.39% |
15.16%
+2.0% YoY
|
16.15%
+4.3% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.02%
-38.9% YoY
-76.8% QoQ
|
-0.24% |
0.26%
+1.6% YoY
|
0.12%
+4.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.2% in tier |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.