# IDAHO INDEPENDENT BANK
COEUR D ALENE, ID · FDIC certificate 33845 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $728.0M | |
| Deposits | $601.2M | |
| Loans and leases | $347.6M | |
| Total equity | $80.6M | |
| Loans / deposits | 56.77% (p9 of band) | 84.98% |
| Liquid assets / assets | 47.01% (p91 of band) | |
| Uninsured deposits / deposits | 29.11% (p73 of band) | 21.58% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.75% (p51 of band) | |
| FHLB advances / assets | 0.55% | |
| Tier 1 leverage | 11.26% (p64 of band) | 10.59% |
| Unrealized securities loss / equity | -0.40% (p48 of band) | -0.32% |
| AOCI / equity | 0.11% (p14 of band) | |
| ROA (annualized) | 1.63% (p83 of band) | 1.08% |
| Net interest margin | 4.23% (p79 of band) | 3.73% |
| Efficiency ratio | 60.20% (p31 of band) | |
| Noncurrent loans | 0.10% (p17 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | 1833.82% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 102.66% (p91 of band) | |
| Auto loans | $2.9M (0.83% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 172 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | noncurrent p90, charge-offs p90 |
| 2011-09 | 6 | capital falling, noncurrent p90 |  |
| 2011-12 | 5 |  | capital falling |
| 2012-03 | 6 | charge-offs p90 |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 7 | capital falling |  |
| 2012-12 | 6 |  | construction >100% equity |
| 2013-03 | 2 |  | losing money, expense ratio p90, noncurrent p90, capital falling |
| 2013-06 | 3 | expense ratio p90 |  |
| 2013-09 | 2 | capital falling | charge-offs p90, expense ratio p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 | expense ratio p90 | reserve under noncurrent, capital falling |
| 2014-06 | 2 | construction >100% equity |  |
| 2014-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2014-12 | 2 |  | expense ratio p90, uninsured deposits leaving |
| 2015-03 | 2 | expense ratio p90 | construction >100% equity |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 0 |  | expense ratio p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |

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

- 2018-10-12 [First Interstate buys Idaho Independent, Community 1st banks - Idaho Business Review](https://news.google.com/rss/articles/CBMipgFBVV95cUxPWVY1eUxpRE56SFhONTNKd1FwWjhaRnhVbndEZDg4SnBFWkZxTWxSOXh5clNCNVVMdktsZTlRWUYxWUlZOTVtdWROeGpvMmhwT1JncUEtNGlTRk43LW5PaFRIekg4VWpTeWRsU2ZpcHhfTEhiRVUyRHJ4VDdraUFpMi1iT1M1TTdpV1puSVMtZnAzYzByOFlhdjE0TVZjUDRzZUJPYkhR?oc=5) · Idaho Business Review
- 2016-12-06 [FBI offering a $10k reward for info leading to arrest, conviction of bank robber - Ada County (.gov)](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNYnVqbHdmV0FnS0dacjY1VkZpTGt3RUs5V19QdjczWkllOTYyREtYRGpkTjAtVUE0eU14eTdNOTd5dmRrclZrM1VxQXB5SE5VbDlaQUdrZHMyc1BxYVNDa1VCblZoV19XaW4xeE1uazhEUjdnRWx0YWltUWRvMVd3WGN3TmhTbVhsTGY2UHVBY2hDenFINmliby1DYV8yUkdYeHhYdUtMQ2czN2lEOHE4blhBNDV5Nmhv?oc=5) · Ada County (.gov)
- 2016-12-06 [Man who robbed banks with machete, meat cleaver sought by FBI - ktvb.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNS2I0T1Q4c3J1X0pOeHNqeUNXVmcxV2p1Vm5jdG1PMkMydkowZ0EyZ0VzbklGYWFFdl9GeGpydm1mYXhsT1huSXBnRjFUWjFRMVoxU20zb2owc2J0RlhjSWQ5UFFjNnBITnRKemJtVFF3SnFOWUpCZkpzb09PM240eTNOSEJaTGlnYzZDWFRibW9QVTdwOXg4WE1fNE5vZllLcFVFTUhHYkdMOXN4UC1IS3F6NFg?oc=5) · ktvb.com
- 2016-05-20 [Jack Gustavel: Banking on it - Idaho Business Review](https://news.google.com/rss/articles/CBMie0FVX3lxTFAxNmJKM21YVGJzajc1UmtwZ2g4YlY5ZHV0ZXdJdGdtWHNWQi1iWGtMdTd2Vlk2Z1FXRlY2NUE4MWRySGVNMFdod3V0MHJDQkNLTjlhVXFibDdHMDBXS1dpZVpJVTFid194SGFIVGNoU0RSZzVJQ2htclM4NA?oc=5) · Idaho Business Review
- 2026-08-16 [Jacqueline WHEELER Obituary (1937 - 2026) - Coeur D'Alene, ID - Spokesman-Review - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxOek5BRjlVeXVnRGpJM3FPNnNmV0lfQXFOU0F6ZzRlOEhMSUtiYTFiT0w3elA4bEVqYWROZmxjcHJZREtzZnNORXJDVnVuYzdpTFM1blRPdDBkSlhBUjdJQ2dyTlB0Q1Y5ZS1aQlBUM3RIbTI3X2drV1lPb1psNy1GSlE4Y1RfeXlJMzZvX1Y2UmU1ODkxd2c?oc=5) · Legacy obituary
- 2005-03-12 [Medical bike provides hope - The Spokesman-Review](https://news.google.com/rss/articles/CBMifkFVX3lxTE5zMUdyV3A2VmVQQUNDRVZvQlhlRkJSSDlJeGo0NTZQQThjTHpwWW9tRUZRb0o1U3JfV25KcWxjQ1pQWU8wdnlqRTd2bHpSZXJYcEZIeUwxSG1USF9BYTVlaHRiS0gtWGMwSklKLTN2TERncEQzSUFydXBmVVFCQQ?oc=5) · The Spokesman-Review
- 2014-11-10 [Todd Gillespie joins Idaho Independent Bank - Idaho Business Review](https://news.google.com/rss/articles/CBMikAFBVV95cUxOQW9EVEFTUWNBTWtoQkZCbHNOZDVUX2V6bk45Umpyd1phSE9hX1VWc2tHWkV1X2VQOVplTWxjS2dtN2UtLTRwcjRDME9MdEdFRWoyazRSbUlTczlmMV9MUlN5SGgxUXB6c0VHa3hpMlVUb3NpLW42WTNuMzJoMXZyb3daMnF1UnU4bHlPLWJfTGE?oc=5) · Idaho Business Review
- 2008-08-03 [Nicholas Harrington Obituary (2008) - Boise, ID - Idaho Statesman - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZGotMHhUQkdWUTJVN0U2b0lKSTNvRTJXb2xSVFZzZW9UcFZnMU05dy1mS2RtenNiaDdSVDEyNjRDS2VOWXBtYUcwekowa1VoUHZIQkdSQUlCUllFUHY0bzZ5cUFkSjMtQ19Vb0djbjE1XzZpU1o2NVhsZU5LVk5lOF93alZHcWdYVVBYSjNkN082SVFzQi13T0N0TmE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33845 (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/53.json (key "33845", 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