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Overview / Commentary
1260 West Riverstone Drive
Coeur d'Alene, ID 83814

Idaho Independent Bank is headquartered in Coeur D Alene and is the 5th largest bank in the state of Idaho. It is also the 1,385th largest bank in the nation. It was established in 1993 and as of June of 2014, it had grown to 181 employees at 11 locations. Idaho Independent Bank has a A health rating.

Reviews (4)

Bank Anywhere BUT Here

I have never been more appalled at a business than I have been with this one. We initially were treated like royalty, customer service was excellent and we were led to believe our whole loan process would be this way. Needless to say, it wasn't. After months of back and forth, with the bank losing documents they'd requested, lying about timeframes and bank processes, and never returning phone calls to us, we finally switched banks. The bank we moved to completed this entire process in 10 days, compared with almost 4 MONTHS at IIB. I have never been treated so badly and with such blatant disrespect. I would never again consider doing any sort of business with this bank. I will make sure anyone I know looking for a new bank knows about the nightmare we experienced with this place.

Horrible Customer Service

Horrible customer service and my deposits into their night box have gotten stuck twice! ALSO, when I told the lady this has been happening she accused me of lying and putting paper clips or clips on my why would I be malicious to my own deposits! UGH

Small Town Approach To Banking

I have been a member of Idaho Independent Bank since 1999, and I Really Love the way they call you by name and remember who you are when you walk in. I am not a Big depositor, but I wouldn't bank any where else.

Thanks For All You Do ... Karen .. Big Mama .. Meridian Branch Customer :)

Great Small Town Bank

Idaho Independent Bank is a great bank. All the employees are courteous and knowledgeable. I really appreciate that they know my name and treat me like they want my business.


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 Idaho Independent Bank had $5.2 million in non-current loans and owned real-estate with $61.56 million in equity and loan loss allowances on hand to cover it. This gives Idaho Independent Bank a Texas Ratio of 8.46% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Idaho Independent Bank decreased dramatically from 23.98% as of June 30, 2013 to 8.46% as of June 30, 2014, resulting in a positive change of 64.74%.This indicates that the balance sheet and financial strength for Idaho Independent Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Idaho Independent Bank has increased its total deposits by $18.48 million, resulting in 4.81% 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 Independent 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 Independent Bank has $486.86 million in assets with $61.56 million in equity, resulting in a capitalization level of 12.64%, which is excellent.

Institution Statistics

FDIC Certificate #33845
Year Established1993
Primary RegulatorFDIC
Assets and Liabilities
Assets$486.86 million
Loans$243.80 million
Deposits$403.06 million
Equity Capital$55.29 million
Loan Loss Allowance$6.27 million
Unbacked Noncurrent Loans$3.10 million
Real Estate Owned$2.11 million
Historic Data - June 2013
Assets$473.44 million
Equity Capital$51.88 million
Loan Loss Allowance$5.83 million
Unbacked Noncurrent Loans$3.10 million
Real Estate Owned$2.89 million
Profit Margin - Quarterly
Return on Assets0.32%
Return on Equity2.79%
Interest Income$7.99 million

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Idaho Independent Bank has 11 locations. Click to view all Idaho Independent Bank locations.