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Overview / Commentary
151 N. Ridge Avenue
Idaho Falls, ID 83402

Bank of Idaho is headquartered in Idaho Falls and is the 8th largest bank in the state of Idaho. It is also the 2,583rd largest bank in the nation. It was established in 1985 and as of June of 2014, it had grown to 103 employees at 7 locations. Bank of Idaho has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Bank of Idaho had $6.6 million in non-current loans and owned real-estate with $26.27 million in equity and loan loss allowances on hand to cover it. This gives Bank of Idaho a Texas Ratio of 25.10% which is 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 dramatically from 44.38% as of June 30, 2013 to 25.10% as of June 30, 2014, resulting in a positive change of 43.43%.This indicates that the balance sheet and financial strength for Bank of Idaho has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank of Idaho has increased its total deposits by $10.39 million, resulting in 4.92% 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 excellent.



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 $247.66 million in assets with $26.27 million in equity, resulting in a capitalization level of 10.61%, which is above average.

Institution Statistics

FDIC Certificate #26403
Year Established1985
Primary RegulatorFDIC
Assets and Liabilities
Assets$247.66 million
Loans$172.93 million
Deposits$221.76 million
Equity Capital$23.07 million
Loan Loss Allowance$3.21 million
Unbacked Noncurrent Loans$2.15 million
Real Estate Owned$4.45 million
Historic Data - June 2013
Assets$235.10 million
Equity Capital$18.69 million
Loan Loss Allowance$3.34 million
Unbacked Noncurrent Loans$2.15 million
Real Estate Owned$6.28 million
Profit Margin - Quarterly
Return on Assets0.87%
Return on Equity9.58%
Interest Income$5.19 million
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Bank of Idaho Savings Account Rates

0.54%-$10kKasasa Saver - Qualifying
0.01%--Kasasa Saver - Non Qualifying

Bank of Idaho Checking Account Rates

0.64%-$10kKasasa Cash - Qualifying
0.01%--Kasasa Cash - Non Qualifying

Bank of Idaho Locations
Yellowstone Branch1230 Yellowstone AvenuePocatello, ID 83201
St. Anthony Branch135 N. Bridge StreetSaint Anthony, ID 83445
Bank Of Idaho151 N. Ridge AvenueIdaho Falls, ID 83402
Idaho Falls Branch1800 Channing WayIdaho Falls, ID 83403
Turscany Hills Branch2300 Via Caporatti DrivePocatello, ID 83201
Island Park Branch3976 US Hwy 20Island Park, ID 83429
Main Street Branch600 Main StreetAshton, ID 83420