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

Idaho First Bank is headquartered in Mccall and is the 13st largest bank in the state of Idaho. It is also the 4,837th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 39 employees at 1 location. Idaho First Bank has a B+ health rating.

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Data for Q1 2014

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 capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Idaho First Bank had $1.45 million in non-current loans and owned real-estate with $10.68 million in equity and loan loss allowances on hand to cover it. This gives Idaho First Bank a Texas Ratio of 13.62% 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 slightly from 18.26% as of March 31, 2013 to 13.62% as of March 31, 2014, resulting in a positive change of 25.42%.This indicates that the balance sheet and financial strength for Idaho First Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Idaho First Bank has increased its total deposits by $10.96 million, resulting in 14.87% 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 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. Idaho First Bank has $95.71 million in assets with $10.68 million in equity, resulting in a capitalization level of 11.15%, which is excellent.

Institution Statistics

FDIC Certificate #58095
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$95.71 million
Loans$77.44 million
Deposits$84.65 million
Equity Capital$9.69 million
Loan Loss Allowance$983,000
Unbacked Noncurrent Loans$869,000
Real Estate Owned$585,000
Historic Data - March 2013
Assets$82.46 million
Equity Capital$6.38 million
Loan Loss Allowance$934,000
Unbacked Noncurrent Loans$869,000
Real Estate Owned$633,000
Profit Margin - Quarterly
Net Interest Margin4.25%
Return on Assets0.84%
Return on Equity8.22%
Interest Income$1.00 million

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