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Overview / Commentary
475 E. Deinhard Lane
Mccall, ID 83638

Idaho First Bank is headquartered in Mccall and is the 14st largest bank in the state of Idaho. It is also the 4,964th largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 36 employees at 1 location. Idaho First Bank has a B+ health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Idaho First Bank has a relatively low asset base.

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 December 31, 2013 Idaho First Bank had $1.48 million in non-current loans and owned real-estate with $10.62 million in equity and loan loss allowances on hand to cover it. This gives Idaho First Bank a Texas Ratio of 13.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Idaho First Bank decreased dramatically from 30.07% as of December 31, 2012 to 13.92% as of December 31, 2013, resulting in a positive change of 53.70%.This indicates that the balance sheet and financial strength for Idaho First Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Idaho First Bank has increased its total deposits by $1.54 million, resulting in 1.97% 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 Idaho First Bank has shown is above average.



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. Idaho First Bank has $90.87 million in assets with $10.62 million in equity, resulting in a capitalization level of 11.69%, which is excellent.

Institution Statistics

FDIC Certificate #58095
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$90.87 million
Loans$73.43 million
Deposits$79.88 million
Equity Capital$9.49 million
Loan Loss Allowance$1.13 million
Unbacked Noncurrent Loans$869,000
Real Estate Owned$610,000
Historic Data - December 2012
Assets$85.74 million
Equity Capital$5.00 million
Loan Loss Allowance$1.11 million
Unbacked Noncurrent Loans$869,000
Real Estate Owned$827,000
Profit Margin - Quarterly
Net Interest Margin4.1%
Return on Assets1.39%
Return on Equity17.52%
Interest Income$3.91 million

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Idaho First Bank Locations
Idaho First Bank475 E. Deinhard LaneMccall, ID 83638