BlastPoint's Banking Scorecard
Idaho Trust Bank
Micro
Specialty: Commercial
ID
FDIC cert 35103
Designations: ✓ Community bank
Boise, ID
2498
banks in Micro tier nationally
4 in ID
View Micro leaderboard (ID) →
Idaho Trust Bank shows strong momentum with 3 strengths and 20.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 1.77% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$243.4M
+20.6% YoY
+4.3% QoQ
|
+$26.0M |
$217.5M
+2.3% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$153.6M
+11.9% YoY
-3.1% QoQ
|
+$14.4M |
$139.2M
+2.8% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$213.0M
+21.3% YoY
+1.8% QoQ
|
+$29.3M |
$183.7M
+1.8% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.66%
+61.4% YoY
+64.0% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.15%
+9.4% YoY
+0.3% QoQ
|
+0.30% |
3.85%
+6.6% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
62.22%
-23.0% YoY
-15.5% QoQ
|
-5.51% |
67.73%
-4.8% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
72.11%
-7.8% YoY
-4.8% QoQ
|
-2.41% |
74.53%
+0.5% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
21.54%
-24.0% YoY
+0.1% QoQ
|
-0.85% |
22.39%
-1.3% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.45%
+2.8% YoY
+12.0% QoQ
|
+5.59% |
8.85%
-3.4% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
2.34%
-7.7% YoY
+341.6% QoQ
|
+1.77% |
0.56%
+0.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.34%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Non-Interest Income / Assets
Current: 2.34% · Tier avg: 0.56%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 8.85%
65
65th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
63
63th pctile
Total Deposits
Current: $213.0M · Tier avg: $183.7M
61
61th pctile
Total Loans
Current: $153.6M · Tier avg: $139.2M
61
61th pctile
Total Assets
Current: $243.4M · Tier avg: $217.5M
61
61th pctile
Efficiency Ratio
Current: 62.22% · Tier avg: 67.73%
58
58th pctile
Loan-to-Deposit Ratio
Current: 72.11% · Tier avg: 74.53%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.54% · Tier avg: 22.39%
Top Weaknesses
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.54% · Tier avg: 22.39%
58
58th pctile
Loan-to-Deposit Ratio
Current: 72.11% · Tier avg: 74.53%
61
61th pctile
Efficiency Ratio
Current: 62.22% · Tier avg: 67.73%
61
61th pctile
Total Assets
Current: $243.4M · Tier avg: $217.5M
61
61th pctile
Total Loans
Current: $153.6M · Tier avg: $139.2M
63
63th pctile
Total Deposits
Current: $213.0M · Tier avg: $183.7M
65
65th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 8.85%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
98
98th pctile
Non-Interest Income / Assets
Current: 2.34% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%