# BANK OF IDAHO
IDAHO FALLS, ID · FDIC certificate 26403 · asset band $1-10B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.30B | |
| Deposits | $1.10B | |
| Loans and leases | $1.07B | |
| Total equity | $154.2M | |
| Loans / deposits | 95.94% (p78 of band) | 85.96% |
| Liquid assets / assets | 15.89% (p26 of band) | |
| Uninsured deposits / deposits | 39.12% (p74 of band) | 29.94% |
| Brokered deposits | 1.53% | |
| Wholesale funding | 4.24% (p37 of band) | |
| FHLB advances / assets | 2.69% | |
| Tier 1 leverage | 11.89% (p78 of band) | 10.21% |
| Unrealized securities loss / equity | -7.16% (p66 of band) | -11.76% |
| AOCI / equity | 1.75% (p71 of band) | |
| ROA (annualized) | 1.46% (p77 of band) | 1.01% |
| Net interest margin | 4.36% (p88 of band) | 3.38% |
| Efficiency ratio | 50.90% (p18 of band) | |
| Noncurrent loans | 0.71% (p67 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 171.37% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 96.93% (p84 of band) | |
| Auto loans | $1.9M (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 181 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 1 |  | leverage <7% |
| 2011-09 | 4 | leverage <7%, losing money, charge-offs p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 |  | losing money, charge-offs p90 |
| 2012-06 | 2 | uninsured deposits leaving | leverage <7% |
| 2012-09 | 4 | leverage <7%, charge-offs p90 |  |
| 2012-12 | 2 |  | leverage <7%, charge-offs p90 |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | charge-offs p90 |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | expense ratio p90 |  |
| 2019-06 | 4 | charge-offs p90 |  |
| 2019-09 | 2 |  | noncurrent p90, charge-offs p90 |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 3 | capital falling | noncurrent p90 |
| 2020-06 | 3 | noncurrent p90 | expense ratio p90 |
| 2020-09 | 2 |  | noncurrent p90 |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 1 | capital falling | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | construction >100% equity |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | capital falling, construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-20 [John McMurray Obituary (1948 - 2026) - Boise, ID - Idaho Press Tribune - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOV1JKT1g2ZUgzdTY0VFRzbzdBNlRISTRQT2NFZkI1b0l4QzNYWTZ4VnVFTW1VU2ZKSDMwd3pmZXdZek1maThFVXVKWDVta1FNV2F0Y083TUlQT3NjRlNHYm5XWHJsazdBcXBFb2toYmdKWTVrQnBYNnQwUFBFdjdSTUtueFo5MjRZVlk4R0JxVnI?oc=5) · legacy.com
- 2025-01-13 [Wheatland Bank holding company acquires Bank of Idaho - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxPWS0ydEx3c2JsYUVNZFcxZUJ1cExPZW5hMExKZ2xOTUxfNHRMQjFtWTVVektIZ0N4RWc4SkctUzNZMHQyOG8zYWQyNjhWbE9xaF9KY0NsRy1JNHoyenlrb3JrUlM0WUxvdE5DVTVrY1J0bDBobG44T2JhbXBvOU1TNi04Vk5kb1pEeWFlLXlFWnluclc1d1c3VkVBMEhTQQ?oc=5) · The Spokesman-Review
- 2025-01-13 [Citizens Community Bank's holding company to acquire Bank of Idaho - Idaho State Journal](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPazJSWVFyWTdaV2dseWdsbndNSDViVTNMazFUQWNTVnQybkFpbWVpaFgxWEFFamstcFdSZllmNGhaS3U2cXhmR0JfUkFRVEJObVd0QzAyZC1vZjJuWHQ5dVUzQ3dobERwZWlfUVFxNDhRMWpsd2tWVVJ1WXNfQ19OMmpWMHBFVkgwQUtYNFhnOEdPZENzRXRzU1FCa2JxX0Q4WkFFelpYdEhfOEM3RXVFVEdhZHI4T1RBNXMySFVoSy0zX2FzZVdtUTRNODNQc3U2NHJHQTB2TVFtVHNzMXM5TVhRR2QtaXZmODEyQ0hsSUJJUQ?oc=5) · Idaho State Journal
- 2019-01-10 [Leadership and Membership Announcements for the Federal Reserve Bank of San Francisco’s Salt Lake City Branch Board of Directors - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOQTBRM1d1UHRUZmdkWFRXVWVzWTFBUWVqYmFLY3JPQlNsNkRwY1hJbW9FYXJtaGc3ME9mME9qUWphTXJCSkE4aG1UTDEtd0NRVDhDa2FLNW9YakJ3WVJ4WDdWUDBrb205MEEyOHJSaW9GSkVFSFRYbUhqMHF3UVZlMWpxakMzejRLdWIyaVozQWY0cE5LQmRWa25lTjZuTTNHdUNyWnJib1VuZ093dEliSHcxa1drdWd0a2o0MV9MQjlZT2JQRXdqR2h4NWdfUmQtMlMycmRqblU1WS1MUFo4WDBzUjA3OHlrT2tlVzRSWmpmQQ?oc=5) · Federal Reserve Bank of San Francisco
- 2025-04-08 [Best Banks and Credit Unions in Idaho 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPd2FYakZMVmxfdVBtd2lLMFZVZ3BCbXF1a2djWTByUVhDNHNKLXQwYnBiaV9HSnJTc0x6czQyeUt2UjEwMzZFWTgxN01oYmdocTVMNzZwUld0ekd4ZXRJcmxzMHVVQUJkbTlwbndfc2lmbjdHQ3A0LXVVdG5WRC1NQ0JvdUtBSFpuazg0?oc=5) · Newsweek Rankings
- 2025-08-30 [Renee Griggs Obituary Jun 2, 2015 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBvcktHUVRkQi15cVAzNmprN0hFWHZ2RS1DNEFMSF9lb1Voay0yc1lGSkhKcExUVmx1Vk5wNUY2WjFEck80RWEyWnJQQXR5MndzcWxleDJZZlBIX2RnVGw3TmdLaVFNUQ?oc=5) · Wood Funeral Home &amp; Crematory
- 2021-06-30 [Stanley Workman Obituary Jun 30, 2021 - Short's Funeral Chapel](https://news.google.com/rss/articles/CBMib0FVX3lxTE1lNE1jRDBpakhSRjFxejBrMjYyNmJ1bnJDeHdHOWY5Q2d0QV9ObnhEVG9odlBUMkdSbmtQaXJzZTRVRFRIemxFQ19kUVY4TjVLOHNfc1VyZW1QTFZkVVBaNV9VY2tmTW9JT3puWkg4SQ?oc=5) · Short's Funeral Chapel
- 2025-02-25 [Citizens Community Bank CEO predicts bright future for company - Idaho State Journal](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNWk85UGhYODM2MmJaa0lVcl9jU3RyUWxEUXRXQUowcGxTUnNwUzNtdGstVTV3dVpnZUdlcGxvcWFiT1h2ODdVVXdpOXBjMjZlN0NWNFpMNEFnX2k1ZXNjck5laEVLblZ4b3JSVFVCc21STVRmMFhDUm1BV3VHNkJLMVp3ZTA2YVNnOHRRNldaTnJObW4tMG5wa2NSQnRRaVVKQU9ydy13M3pyV3ZNaTQxUXFEdjNWbmswanJ3WWw3QjRzNHV0bmJDd2Z6czR2U0EwaV9RYWZpV1hnXzVMU0NBeFBweVhvNlVfUlhSUGF3?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26403 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "26403", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide