BlastPoint's Banking Scorecard
Idaho First Bank
Mccall, ID
Idaho First Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
- + Loan-to-Deposit Ratio 22.42% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+75.3% YoY
+16.2% QoQ
|
+$59.9M |
$1.4B
+2.0% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$798.2M
+48.6% YoY
+11.3% QoQ
|
-$177.3M |
$975.5M
+2.4% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$1.3B
+78.6% YoY
+17.1% QoQ
|
+$151.5M |
$1.2B
+1.7% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.65%
-24.3% YoY
+1.8% QoQ
|
-0.51% |
1.16%
+17.2% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.01%
-18.9% YoY
-1.3% QoQ
|
-0.65% |
3.66%
+9.1% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
63.07%
-5.5% YoY
-3.1% QoQ
|
+0.44% |
62.63%
-5.3% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.02%
-82.8% YoY
-33.1% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
60.64%
-16.8% YoY
-4.9% QoQ
|
-22.42% |
83.06%
+0.3% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.84%
-0.5% YoY
+31.6% QoQ
|
+6.80% |
21.05%
-0.9% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.01%
-85.4% YoY
-35.9% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
14.96%
-1.2% YoY
-2.5% QoQ
|
+4.71% |
10.24%
-0.6% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.09%
-37.9% YoY
+13.8% QoQ
|
-0.65% |
0.74%
-1.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metricDelinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Loan-to-Deposit Ratio
metricLoan-to-Deposit Ratio sits in the healthy 60-90% band and at the top of tier peers. Deposit base is being deployed efficiently into loans without stretching liquidity.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the top decile (lowest) of tier peers. Problem credits are materially cleaner than similarly-sized banks - earnings less exposed to credit-cost shocks.
Concerns (1)
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
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%