Idaho Trust Bank: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Idaho Trust Bank's strongest measure in Q2 2026 is net interest margin (4.12% vs. a 3.96% peer median). Its weakest relative measure is efficiency ratio (75.84% vs. 62.03%).
| Measure | Idaho Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 1.29% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 3.96% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.84% | 62.03% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.6M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.13% | 77.45% | Context |
What it means for lending operations
Its efficiency ratio of 75.84% is above the 62.03% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bankers' Bank of Kansas Wichita, KS · $256M
- Home Bank of California San Diego, CA · $255M
- The Gunnison Bank and Trust Company Gunnison, CO · $255M
- Wayne Bank and Trust Co. Richmond, IN · $255M
- Heartland Bank Somers, IA · $256M
- First Bank & Trust Company Perry, OK · $255M
Questions about Idaho Trust Bank
How big is Idaho Trust Bank?
Idaho Trust Bank, established in 1994, is headquartered in Boise, ID. It reported $256M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Idaho Trust Bank's return on assets?
0.87% annualized in Q2 2026, against a 1.29% median for 1000 U.S. banks with half to twice its assets, ahead of 25% of them.
What is Idaho Trust Bank's efficiency ratio?
75.84% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 62.03%, and lower is better.
Is Idaho Trust Bank growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits grew 9.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Idaho bank ranked.