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Overview / Commentary
888 West Broad Street
Boise, ID 83702

Idaho Trust Bank is headquartered in Boise and is the 16st largest bank in the state of Idaho. It is also the 5,327th largest bank in the nation. It was established in 1994 and as of December of 2013, it had grown to 35 employees at 2 locations. Idaho Trust Bank has a A 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 Trust 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 Trust Bank had $1.33 million in non-current loans and owned real-estate with $19.09 million in equity and loan loss allowances on hand to cover it. This gives Idaho Trust Bank a Texas Ratio of 6.99% 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 13.76% as of December 31, 2012 to 6.99% as of December 31, 2013, resulting in a positive change of 49.20%.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 increased its total deposits by $1.14 million, resulting in 2.01% 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 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 Trust Bank has $75.88 million in assets with $19.09 million in equity, resulting in a capitalization level of 25.16%, which is excellent.

Institution Statistics

FDIC Certificate #35103
Year Established1994
Primary RegulatorFDIC
Assets and Liabilities
Assets$75.88 million
Loans$43.91 million
Deposits$58.00 million
Equity Capital$17.73 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$68,000
Real Estate Owned$1.27 million
Historic Data - December 2012
Assets$73.57 million
Equity Capital$16.53 million
Loan Loss Allowance$1.28 million
Unbacked Noncurrent Loans$68,000
Real Estate Owned$2.36 million
Profit Margin - Quarterly
Net Interest Margin3.46%
Return on Assets2.67%
Return on Equity11.42%
Interest Income$2.44 million

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