# IDAHO TRUST BANK
BOISE, ID · FDIC certificate 35103 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $255.6M | |
| Deposits | $225.5M | |
| Loans and leases | $169.2M | |
| Total equity | $26.4M | |
| Loans / deposits | 74.13% (p51 of band) | 73.59% |
| Liquid assets / assets | 32.19% (p49 of band) | |
| Uninsured deposits / deposits | 46.50% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.23% (p43 of band) | 11.76% |
| Unrealized securities loss / equity | -4.01% (p60 of band) | -6.57% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | 0.87% (p33 of band) | 1.17% |
| Net interest margin | 4.12% (p60 of band) | 3.93% |
| Efficiency ratio | 75.84% (p72 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 80% | |
| Construction % of loans | 31.68% (p65 of band) | |
| Auto loans | $69,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 3 | noncurrent p90 |  |
| 2011-12 | 4 | capital falling, charge-offs p90 | noncurrent p90 |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money, capital falling, charge-offs p90 |
| 2012-06 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2015-06 | 3 | noncurrent p90 | capital falling |
| 2015-09 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | expense ratio p90, reserve under noncurrent | charge-offs p90 |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 4 | losing money, reserve under noncurrent, uninsured deposits leaving |  |
| 2016-12 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 0 |  | expense ratio p90, losing money, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | expense ratio p90 | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | expense ratio p90 |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 1 | uninsured deposits >50% | NIM <2.5% |
| 2022-09 | 2 | deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 | uninsured deposits >50% | deposits shrinking, assets shrinking |
| 2023-09 | 1 | deposits shrinking | uninsured deposits >50% |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-01-07 [Idaho Trust to Acquire Trust and Wealth Management Division of Bank of Idaho - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPZnFTajcyNmdJZTRqU1drSVJMWUltZVljQlNaOGg4TE9vSmUwX3pURTROdk8yMmFFalY3SXhxSHRWNUo4OWQySlBNaGx1OWg2aHhzQzdPQVE3X0VsVXpfSHoyeFp3U3hHMzlKMGZpSWFyTE1ybGFiUnFmd0Y1aklqLVktMG1vZmd1bG5jeTdhTFVZOUoyODh1Zi1KUDJCYnVETVhBdW5KbXQzdjUzblo1d1pFZmVIRm85VDFvY2V3TENYZEJBS0dnRGVuQk5Odw?oc=5) · Business Wire
- 2025-11-21 [Joel Hickman - Idaho Business Review](https://news.google.com/rss/articles/CBMijgFBVV95cUxOekc5TkZYdmdjaE80NjhpMHlmbFN5SlJabFBmZkpuMlhYUU1YYlpnc2x3WlMzSloyTTYyOFc4NnozRTMxRUhqUTZUcUtLRG5zQ2dlc1l2NUVxaEFFdkxxNmRxbDdYY1gzcEEweEVwZ0drTFBYMHVFWlA2TUZHUnJfcmdnUTFiMzh4SXYzNTBn?oc=5) · Idaho Business Review
- 2026-01-22 [Idaho Trust Company welcomes John P. Osai to Idaho Falls Office as VP, trust and investment officer - Idaho State Journal](https://news.google.com/rss/articles/CBMiggJBVV95cUxNeTlsbGt3Y3FoaWpqb3VveTBKdVQ3cjdBZTdjbXlVOXZHdEt5UlZ2M2txOUd0TWJ4dnJ1WUpVNEtxY2p6dnlGLV8yUFR3Y0pkby1VRWVvZlFqOU9TdDhxbHAyc0VZaFppWkRmWVkySnlOZGVBOEg4NnVVWEhCTDhoUE1qU19WX2hhOWRudU1Kc2hEQ3RjR1ZKbjNwNGh5amNIMXVCVjRRa0xuMzAyT19lZ1VLc2hONm9lYTBZR1lYZmVlSExMYXdFUk9kOTR6a25Fb2h3cG5rTDZBLXJtb1ZTQ19QVnY5U1lHWmR6RjRRZWlXMXlUVDVHbW5zelozb2ZjaVE?oc=5) · Idaho State Journal
- 2025-03-03 [Idaho Trust Company Completes Acquisition of Trust and Wealth Management Division of Bank of Idaho - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQYjNIVkNUd2UzUzhTMXg3SjNYbnFIaEx0WVZjRDZiZjNPaURtUTJ1eU1LOGRzN0FrWDhNYmkyb2NNdmxtQnVIdE90T2E1VWFBOGRMczBJR195ZF8wZVNsRk9pSzIzajRpVGtEZlNYemxUSDU5emxOTXRZU3VXZEhsaWFteUJSd29ONHdZbm1KcWQ0SklFZTFXcDNadzhMUS05QTlwTFd1TXdGX0Y5cVFZOTFTaHBoXzVaYU5vY25NdVktdEx1VU0teV9jZ0FNNEc1dkpEeEhoX0NkR0lGcTY5VDIxOWhsVDNnSlRV?oc=5) · Business Wire
- 2022-10-06 [Movers & Shakers - Coeur d'Alene Press](https://news.google.com/rss/articles/CBMiY0FVX3lxTE95X09nSHdhM0NDaFJKWG9rS2JIRVdodERlVi1uWnpPTWtsQXlUeWJaVXB2ZElxUU9TS3hESHVtYXdWdEtpU3UzZkpvQXR0VUo5WlZPYzUybENlMTZabGM2Um82MA?oc=5) · Coeur d'Alene Press
- 2020-09-12 [Faces in new places - Idaho Press](https://news.google.com/rss/articles/CBMisgFBVV95cUxOSlZmWUx6cGlLMDBXbUNMZmROQjllbnRZODVicXB1clVpZnpCQ3RnVUV4MUhqNm9qMnlQVHJ0NXl5TGJFd083UkJzU2xIRHVZQVIta3c2cmxMU3FzdlYzaHctVERMRjhrTzRiZFFHUTNYcF83dVJOcV9FYlpmSkdDNmNmazAzV0VZdy1XX1BqS0pXWFBMV09NdjIzRndFM05peEQ3Qm9vbzlVaGpGdHktbVNR?oc=5) · Idaho Press
- 2014-08-31 [Business beat - The Spokesman-Review](https://news.google.com/rss/articles/CBMibEFVX3lxTE92LW5nWWFlVDI3ZDQ3Tl8wUGFLWFA0NjlRbVVKcF8za1A1cW9WUVZGcVk5b3J1VllKV1ozRWwwbC1Ja3YzakVudTR1S1R2ZGtmSjlIM3VQbF9qWGJTZzZObUE2MWdMSmd1TTk0SA?oc=5) · The Spokesman-Review
- 2025-09-26 [Annual IBR honors celebrate leaders and excellence in industries of law and finance - Idaho Business Review](https://news.google.com/rss/articles/CBMimgFBVV95cUxOQ2I4QU5GTWEzLVlXYVdxcklHemdnUFdGcHVDYlNNalhic3gtNUFseFFXMnltRGtINktobXBHNXEwQm9ESHlZTEx5UzhPT2R1eFBWaVdPQ01XaTIyU21IVWEwaHZOR0FjUkFmTVh0MndjcjViREtqLTNFNTlfakE2UHh5M1hQbnFBQkJ1bFk3cTVZQ1R5dmtYU2ZR?oc=5) · Idaho Business Review

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35103 (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/31.json (key "35103", 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