Idaho First Bank: how it compares with its peers
Against 945 U.S. banks with half to twice its assets, Idaho First Bank's strongest measure in Q2 2026 is assets per employee ($14.6M vs. a $7.9M peer median). Its weakest relative measure is net interest margin (3.16% vs. 3.81%).
| Measure | Idaho First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 1.23% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.16% | 3.81% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.75% | 60.85% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.6M | $7.9M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.23% | 85.15% | Context |
What it means for lending operations
Its efficiency ratio of 52.75% is better than the 60.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Rosedale Bank Nottingham, MD · $1.36B
- Century Bank Santa Fe, NM · $1.36B
- SouthPoint Bank Birmingham, AL · $1.36B
- First Bank of Alabama Talladega, AL · $1.36B
- Fm Bank And Trust Blytheville, AR · $1.36B
- Fortis Bank Denver, CO · $1.35B
Questions about Idaho First Bank
How big is Idaho First Bank?
Idaho First Bank, established in 2005, is headquartered in Mccall, ID. It reported $1.36B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Idaho First Bank's return on assets?
0.84% annualized in Q2 2026, against a 1.23% median for 945 U.S. banks with half to twice its assets, ahead of 22% of them.
What is Idaho First Bank's efficiency ratio?
52.75% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.85%, and lower is better.
Is Idaho First Bank growing its loans?
Net loans grew 48.8% over the year to Q2 2026, while deposits grew 21.2%.
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.