← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Idaho, the state note

Idaho First Bank

Mccall, Idaho · $1.36B in assets · beside the 11 other the Mountain West banks between $1B and $3B (the state alone holds too few in the band to rank)

The filing

+48.8%
Loans, year over year
1st of 11, largest first
0.86%
ROA
11th of 12
0.05%
NPA / loans
3rd of 11

Idaho First Bank is the seventh largest of the 12 the Mountain West banks nearest its size between $1B and $3B, with $1.36B in assets at 30 June 2026. Loans are 78.2% of deposits, 4th of 11 against a median of 80.2%, and equity is 10.5% of assets, 7th of 12. Loans grew +48.8% in the year, the fastest in the cohort, and deposits grew 21.2%; the cohort's median loan growth is +11.4%.

Noncurrent loans are 0.05% of the book, 3rd of 11 against a median of 0.46%; 0.04% is 30 to 89 days past due, and the allowance covers them 26.1 times. Net charge-offs are 0.12% of loans, 7th of 11. Commercial real estate is 27.7% of loans, 3rd of 11 against a median of 33.2%, and 169% of capital, below the 300% screen, with construction at 50% against the 100% screen.

Return on assets is 0.86%, 11th of 12 against a median of 1.62%, on an efficiency ratio of 52.8%, 7th of 12. Five years ago it was 0.86%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Return on assetsMountain West banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.62% QB Quill Bank 5.20% YB Yellowstone Bank 3.02% WF Wells Fargo Trust Co. N.A. 2.02% IB Independence Bank 1.90% HN Hilltop National Bank 1.75% PB Pinnacle Bank Wyoming 1.68% SN Solera National Bank 1.57% NB Northwest Bank 1.47% FF First FSB of Twin Falls 1.28% G Gbank 1.28% IF Idaho First Bank 0.86% FB Fortis Bank 0.72%
Loans, year over yearMountain West banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +11.4% IF Idaho First Bank +48.8% QB Quill Bank +31.3% G Gbank +19.8% SN Solera National Bank +19.2% HN Hilltop National Bank +14.2% IB Independence Bank +11.4% YB Yellowstone Bank +6.4% PB Pinnacle Bank Wyoming +6.2% FB Fortis Bank +3.6% FF First FSB of Twin Falls +0.6% NB Northwest Bank -6.2%

SBA 7(a), FY2008 to FY2026

Idaho First Bank is the 26th largest 7(a) lender into Idaho of 192, with $25M across 97 loans, 0.8% of everything approved in the state (Glacier Bank leads with $376M). 2 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Idaho, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Ada, ID$19M18th of 1331.7%-4.4 pts
Valley, ID$4M1st of 1818.4%-18.1 pts
Clark, NV$2M118th of 2290.1%thin
Canyon, ID$2M34th of 620.5%-0.1 pts
Boise, ID$230K12th of 181.1%quiet FY2020
Deschutes, OR$225K69th of 820.1%thin
Jefferson, CO$100K177th of 1830.0%quiet FY2022
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade5$5M16.6%0.02%473rd of 1,651
Professional & technical services10$4M13.4%0.01%533rd of 1,955
Accommodation & food services18$3M11.0%0.00%1041st of 2,596
Real estate & leasing6$3M9.2%0.02%494th of 1,452
Retail trade8$2M8.9%0.00%1062nd of 2,589
7(a) lenders into Idaho, share of approvals since FY2008192 lenders on record; the ten largest and Idaho First Bank
GB Glacier Bank 12.2% $376M · 1,348 loans ZB Zions Bank, A Division of 8.9% $274M · 1,911 loans IC Idaho Central CU 6.8% $209M · 399 loans LO Live Oak Banking Company 5.4% $167M · 132 loans CB Columbia Bank 5.3% $164M · 605 loans WT Washington Trust Bank 4.8% $147M · 346 loans WF Wells Fargo Bank National Associa… 4.7% $144M · 597 loans FI First Interstate Bank 3.4% $104M · 321 loans UB U.S. Bank, National Association 3.2% $98M · 875 loans DL D. L. Evans Bank 2.7% $83M · 660 loans IF Idaho First Bank 0.8% $25M · 97 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
Idaho First BankRankCohort median
Total CRE against capital, the 300% screen169%5th of 12183%
Construction against capital, the 100% screen50%8th of 1247%
Construction and land development, share of loans8.2%5th of 118.8%
Non-owner-occupied nonfarm nonresidential, share of loans15.7%4th of 1117.0%
Total CRE, the guidance definition, share of loans27.7%3rd of 1133.2%
CRE growth over 36 months, the third prong+8.0%2nd of 11+41.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Quill Bank$1.56B5.2%32.4%2.54%5.93%3.9%96.7%14.1%
Solera National Bank$1.55B1.6%49.0%1.45%0.05%1.5%69.7%7.7%
Northwest Bank$1.45B1.5%55.1%3.79%0.89%1.5%78.4%16.1%
Gbank$1.43B1.3%60.1%4.96%0.48%1.1%90.0%13.0%
First FSB of Twin Falls$1.42B1.3%67.8%0.01%0.01%1.0%86.4%9.7%
Independence Bank$1.39B1.9%41.7%0.46%0.00%1.3%92.4%12.1%
Idaho First Bank$1.36B0.9%52.8%0.05%0.12%1.2%78.2%10.5%
Fortis Bank$1.35B0.7%75.9%0.49%0.03%0.9%95.3%8.6%
Yellowstone Bank$1.34B3.0%31.2%0.01%0.00%0.6%67.0%12.7%
Wells Fargo Trust Co. N.A.$1.33B2.0%3.9%no recordno recordno recordno record95.6%
Pinnacle Bank Wyoming$1.30B1.7%47.2%0.26%0.01%1.2%80.2%9.8%
Hilltop National Bank$1.14B1.8%59.4%0.28%0.14%1.2%66.9%8.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Idaho First BankCohort median
20212026Change20212026Change
Loans$541M$946M+75%$573M$940M+64%
Deposits$405M$1.21B+199%$832M$1.18B+42%
NPA / loans0.00%0.05%+0.05 pts0.30%0.46%+0.16 pts
Efficiency56.6%52.8%-3.8 pts53.9%50.9%-3.0 pts
ROA0.86%0.86%-0.00 pts1.59%1.62%+0.04 pts

This read was prepared for Idaho First Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Idaho First Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $1B to $3B
Institution www.idahofirstbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue