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Overview / Commentary
888 West Broad Street
Boise, ID 83702

Idaho Trust Bank is headquartered in Boise and is the 15st largest bank in the state of Idaho. It is also the 5,373rd largest bank in the nation. It was established in 1994 and as of March of 2014, it had grown to 36 employees at 2 locations. Idaho Trust Bank's money market rates are 2X the national average, and it 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 Trust 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 Trust Bank had $1.32 million in non-current loans and owned real-estate with $19.93 million in equity and loan loss allowances on hand to cover it. This gives Idaho Trust Bank a Texas Ratio of 6.64% 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 Trust Bank decreased dramatically from 12.96% as of March 31, 2013 to 6.64% as of March 31, 2014, resulting in a positive change of 48.78%.This indicates that the balance sheet and financial strength for Idaho Trust Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Idaho Trust Bank has decreased its total deposits by -$2.84 million, resulting in -5% 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 Trust Bank has shown is below 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 Trust Bank has $72.4 million in assets with $19.93 million in equity, resulting in a capitalization level of 27.53%, which is excellent.

Institution Statistics

FDIC Certificate #35103
Year Established1994
Primary RegulatorFDIC
Assets and Liabilities
Assets$72.40 million
Loans$43.19 million
Deposits$53.89 million
Equity Capital$18.36 million
Loan Loss Allowance$1.57 million
Unbacked Noncurrent Loans$57,000
Real Estate Owned$1.27 million
Historic Data - March 2013
Assets$74.39 million
Equity Capital$17.55 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$57,000
Real Estate Owned$2.36 million
Profit Margin - Quarterly
Net Interest Margin3.13%
Return on Assets3.4%
Return on Equity13.99%
Interest Income$538,000

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Idaho Trust Bank Savings Account Rates

0.14%--Business Savings with iTrust
0.14%--Personal Savings with iTrust
0.04%--Business Savings
0.04%--Personal Savings

Idaho Trust Bank Money Market Rates

0.91%$1m$25kBusiness Super Money Market
0.91%$1m$25kSuper Money Market
0.26%$100k-Personal Money Market with iTrust
0.22%$100k-Business Money Market with iTrust
0.16%$100k-Business Money Market
0.16%$100k-Personal Money Market

Idaho Trust Bank Checking Account Rates

0.25%--iTrust Private Banking Business Checking with Interest
0.25%$50k-iTrust Private Checking
0.14%$25k-Premium Checking with iTrust
0.12%--iTrust Business Checking with interest
0.04%--Small Business Interest Checking
0.04%--IOLTA Checking
0.04%$25k-Premium Checking

Idaho Trust Bank CD Rates

1.01%--48 Months CD - With iTrust
1.01%--Business 48 Months CD - With iTrust
0.91%--48 Months CD
0.91%--Business 48 Months CD
0.76%--36 - 47 Months CD - With iTrust
0.76%--Business 36 - 47 Months CD - With iTrust
0.66%--36 - 47 Months CD
0.66%--Business 36 - 47 Months CD
0.46%--18 - 23 Months CD - With iTrust
0.46%--24 - 35 Months CD - With iTrust
0.46%--Business 18 - 23 Months CD - With iTrust
0.46%--Business 24 - 35 Months CD - With iTrust
0.36%--12 - 17 Months CD - With iTrust
0.36%--18 - 23 Months CD
0.36%--24 - 35 Months CD
0.36%--Business 12 - 17 Months CD - With iTrust
0.36%--Business 18 - 23 Months CD
0.36%--Business 24 - 35 Months CD
0.29%--180 - 364 days CD - With iTrust
0.29%--6 - 11 Months CD - With iTrust
0.29%--Business 180 - 364 days CD - With iTrust
0.29%--Business 6 - 11 Months CD - With iTrust
0.26%--12 - 17 Months CD
0.26%--Business 12 - 17 Months CD
0.22%--90 - 179 days CD - With iTrust
0.22%--Business 90 - 179 days CD - With iTrust
0.19%--180 - 364 days CD
0.19%--6 - 11 Months CD
0.19%--Business 180 - 364 days CD
0.19%--Business 6 - 11 Months CD
0.12%--90 - 179 days CD
0.12%--Business 90 - 179 days CD

Idaho Trust Bank Locations
Coeur D' Alene Branch622 E. Sherman AveCoeur D Alene, ID 83814
Idaho Trust Bank888 West Broad StreetBoise, ID 83702