BlastPoint's Banking Scorecard

Idaho First Bank

$1B-$10B Specialty: Commercial ID FDIC cert 58095

Designations: ✓ Community bank

Mccall, ID

9 branches across ID · OR

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 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in ID.
Deposits +21.2% year over year ($1.2B on the books).
Delinquency rate 0.05%.
Return on assets 0.84%.
Efficiency ratio 52.75% vs a 59.73% peer average.
Loan-to-deposit ratio 77.23% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 5 in ID

View $1B-$10B leaderboard (ID) →

Idaho First Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 33.9% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 6.98% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.5% in tier
- Non-Interest Income / Assets 0.48% below tier average
- ROA 0.55% below tier average
- Net Interest Margin 0.71% below tier average

Get updates when Idaho First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Total Assets ?	$1.4B +22.9% YoY -0.9% QoQ	-$1.4B	$2.8B -0.6% YoY	$1.2B +4.9% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$934.4M +48.8% YoY +7.9% QoQ	-$1.0B	$2.0B -0.3% YoY	$741.9M +9.8% YoY	$3.2B +9.4% YoY	28%
Total Deposits ?	$1.2B +21.2% YoY -1.3% QoQ	-$1.1B	$2.3B -0.5% YoY	$1.0B +5.9% YoY	$4.9B +7.3% YoY	31%
Return on Assets ?	0.84% +35.2% YoY +29.3% QoQ	-0.55%	1.39% +17.0% YoY	1.42% +7.8% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	3.16% +2.3% YoY +3.1% QoQ	-0.71%	3.87% +6.2% YoY	4.21% +5.4% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	52.75% -23.5% YoY -5.7% QoQ	-6.98%	59.73% -12.6% YoY	57.44% -5.2% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.05% -46.2% QoQ	-0.82%	0.87% +11.7% YoY	1.19% +207.4% YoY	0.98% +16.3% YoY	Top 7.7% in tier
Loan-to-Deposit Ratio ?	77.23% +22.7% YoY +9.3% QoQ	-7.80%	85.04% -0.1% YoY	74.07% +1.8% YoY	79.03% +2.3% YoY	74%
Non-Interest-Bearing Deposit Share ?	20.31% -7.2% YoY +1.3% QoQ	-0.97%	21.27% -1.5% YoY	28.32% +5.3% YoY	21.98% -0.6% YoY	53%
Nonperforming Asset Ratio ?	0.03% -41.4% QoQ	-0.64%	0.67% +11.7% YoY	0.71% +195.7% YoY	0.69% +15.8% YoY	Top 7.3% in tier
Tier 1 Capital Ratio ?	14.00% -8.5% YoY -5.2% QoQ	-0.84%	14.84% -0.4% YoY	15.84% +2.7% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.05% -18.2% YoY +127.7% QoQ	-0.48%	0.53% +2.5% YoY	0.23% +7.1% YoY	0.66% +5.2% YoY	Bottom 3.6% in tier

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	20.3% -1.6pp YoY +0.3pp QoQ	-1.1pp	21.4%	28.3%	22.2%	53%
Brokered Deposits	0.4% -1.3pp YoY -0.4pp QoQ	-9.0pp	9.5%	6.0%	8.5%	11%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
C&I	8.5% -0.9pp YoY -0.1pp QoQ	-5.5pp	14.0%	16.5%	12.5%	36%
CRE	39.9% -16.6pp YoY -4.4pp QoQ	-10.1pp	50.0%	45.4%	41.4%	25%
1-4 Family	12.6% -7.7pp YoY -1.5pp QoQ	-13.8pp	26.4%	20.7%	31.3%	24%
Consumer	38.8% +25.6pp YoY +6.1pp QoQ	+34.1pp	4.7%	7.4%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
CET1 Ratio	14.0% -1.3pp YoY -0.8pp QoQ	-1.6pp	15.6%	17.1%	19.7%	58%
Leverage Ratio	10.5% +0.3pp YoY +0.2pp QoQ	-0.8pp	11.3%	12.6%	12.6%	49%
Total Capital Ratio	15.2% -1.3pp YoY -0.8pp QoQ	-1.5pp	16.7%	18.3%	20.8%	58%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Full-Time Employees	93 +3 (+3.3%) YoY -1 (-1.1%) QoQ	-221	313	143	482	5%
Assets per Employee ($)	$14.6M +18.9% YoY +0.1% QoQ	+$4.1M	$10.5M	$8.0M	$8.8M	88%
Branch Count	9 0 YoY 0 QoQ	-11	20	11	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.0%	0.4%	n/a
Nonaccrual	0.0% 0.0pp QoQ	-0.8pp	0.8%	1.3%	1.0%	5%
Allowance Coverage	26.14x +77.0% QoQ	+7.43x	18.71x	25.14x	20.23x	95%
Net Charge-off Rate (YTD)	0.1% +0.2pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.2%	0.2%	74%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
ROE	8.6% +2.2pp YoY +1.7pp QoQ	-4.0pp	12.6%	11.8%	11.6%	23%
Cost of Funds (YTD)	2.4% -0.2pp YoY +0.1pp QoQ	+0.4pp	1.9%	1.4%	1.7%	80%
Net Income ($, YTD)	$5.9M +95.3% YoY — QoQ	-$13.4M	$19.2M	$8.6M	$40.4M	16%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#76 of 221 • Top 33.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk

#28 of 492 • Bottom 5.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#66 of 885 Top 7.3% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.87%

#69 of 882 Top 7.7% in $1B-$10B

Top Weaknesses (3 metrics)

854

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.53%

#854 of 885 Bottom 3.6% in $1B-$10B

708

Return on Assets

profitability

Value: 0.84%

Peer Median: 1.39%

#708 of 885 Bottom 20.1% in $1B-$10B

703

Net Interest Margin

profitability

Value: 3.16%

Peer Median: 3.87%

#703 of 885 Bottom 20.7% in $1B-$10B