Bank of Idaho

Bank of Idaho is headquartered in Idaho Falls and is the 10^st largest bank in the state of Idaho. It is also the 2,752^nd largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 109 employees at 7 locations. Bank of Idaho's savings rates are 23% higher than the national average, and it has a 3-star health rating.

Bank of Idaho Routing Number: 124103676

Related Posts

Bank of Idaho Checking Account Rates

Bank of Idaho Savings Account Rates

Data for Q1 2012

Institution Statistics Bank of Idaho FDIC Certificate # 26403 BankRate Report View Year Established 1985 Employees 109 Primary Regulator FDIC Assets and Liabilities Assets $232.54 million Loans $148.37 million Deposits $211.67 million Equity Capital $16.44 million Loan Loss Allowance $4.27 million Unbacked Noncurrent Loans $5.18 million Real Estate Owned $4.59 million Historic Data - March 2011 Assets $227.83 million Equity Capital $16.13 million Loan Loss Allowance $6.72 million Unbacked Noncurrent Loans $8.74 million Real Estate Owned $7.39 million Profit Margin - Quarterly Net Interest Margin 4.8% Return on Assets 0.76% Return on Equity 11.11% Interest Income $2.69 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Bank of Idaho had $9.77 million in non-current loans and owned real-estate with $20.7 million in equity and loan loss allowances on hand to cover it. This gives Bank of Idaho a Texas Ratio of 47.19% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Idaho decreased slightly from 68.56% as of March 31, 2011 to 47.19% as of March 31, 2012, resulting in a positive change of 31.17%.This indicates that the balance sheet and financial strength for Bank of Idaho has improved slightly in recent periods. Deposit Growth In the past year, Bank of Idaho has increased its total deposits by $5.12 million, resulting in 2.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Idaho has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Idaho has $232.54 million in assets with $20.7 million in equity, resulting in a capitalization level of 8.90%, which is average.

No reviews have been left for this bank yet. Be the first to review.