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Overview / Commentary
3113 South 25th East
Ammon, ID 83406

The Bank of Commerce (ID) is headquartered in Ammon and is the 2nd largest bank in the state of Idaho. It is also the 709th largest bank in the nation. It was established in 1959 and as of March of 2014, it had grown to 207 employees at 16 locations. The Bank of Commerce (ID) has a B+ health rating.

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Data for Q1 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 March 31, 2014 The Bank of Commerce (ID) had $14.6 million in non-current loans and owned real-estate with $149.81 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Commerce (ID) a Texas Ratio of 9.75% 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 The Bank of Commerce (ID) decreased slightly from 11.45% as of March 31, 2013 to 9.75% as of March 31, 2014, resulting in a positive change of 14.86%.This indicates that the balance sheet and financial strength for The Bank of Commerce (ID) has improved slightly in recent periods.

Deposit Growth


In the past year, The Bank of Commerce (ID) has decreased its total deposits by -$6.02 million, resulting in -0.74% 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 The Bank of Commerce (ID) has shown is 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. The Bank of Commerce (ID) has $955.96 million in assets with $149.81 million in equity, resulting in a capitalization level of 15.67%, which is excellent.

Institution Statistics

FDIC Certificate #18059
Year Established1959
Primary RegulatorFDIC
Assets and Liabilities
Assets$955.96 million
Loans$489.73 million
Deposits$810.06 million
Equity Capital$143.18 million
Loan Loss Allowance$6.63 million
Unbacked Noncurrent Loans$6.66 million
Real Estate Owned$7.94 million
Historic Data - March 2013
Assets$958.07 million
Equity Capital$137.94 million
Loan Loss Allowance$7.93 million
Unbacked Noncurrent Loans$6.66 million
Real Estate Owned$9.32 million
Profit Margin - Quarterly
Net Interest Margin3.38%
Return on Assets1.3%
Return on Equity8.79%
Interest Income$7.92 million

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The Bank of Commerce (ID) Savings Account Rates

0.02%$100-Health Savings Account

The Bank of Commerce (ID) Money Market Rates

0.08%$2,500-Money Market

The Bank of Commerce (ID) Checking Account Rates

0.02%$500-NOW Account

The Bank of Commerce (ID) CD Rates

0.60%$1k-48 Month CD
0.30%$1k-36 Month CD
0.20%$1k-11 Month CD
0.20%$1k-24 Month CD
0.15%$1k-18 Month CD
0.10%$1k-180 Day CD
0.10%$1k-12 Month CD
0.05%$1k-90 Day CD

The Bank of Commerce (ID) has 16 locations. Click to view all The Bank of Commerce (ID) locations.