Idaho

Banks

Idaho's 10 banks hold $12.0B in assets at 30 June 2026. D L Evans Bank is the largest at $3.7B, and the five largest hold 86% of the total; 5 institutions are above $1B, holding $10.3B.

Loans grew a median +6.4% in the year to 30 June 2026: 4 institutions grew faster than 10% and 3 shrank. The median bank lends 78% of its deposits and holds commercial real estate at 27.9% of loans. Nonperforming loans sit at a median 0.43% of the book, return on assets at 1.31%, and equity at 10.7% of assets.

6 of the 10 are in the catalogue, each read from its own filing beside the banks its size in the state: D L Evans Bank, Bank of Commerce, Northwest Bank, First FSB of Twin Falls, Idaho First Bank, Farmers Bank.

D L Evans Bank holds 30.9% of the state's bank assets; the five largest hold 86%, and 5 of the 10 are above $1B.

The curve's distance from the diagonal is the concentration: 86% of the assets in 50% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Nonfarm nonresidential, non-owner-occupied is the largest category at 17.4% of the state's $7.5B in loans, then Nonfarm nonresidential, owner-occupied at 15.6% and Commercial & industrial at 14.1%.

Idaho First Bank grew fastest at +48.8%; 4 grew faster than 10% and 3 shrank, Northwest Bank the most at -6.2%. The median is +6.4%.

Northwest Bank is the most CRE-weighted at 48.2% of loans; 1 of the 10 are above 40%, against a median of 27.9%.

0 of the 10 banks sit above the 300% screen, Bankcda the highest at 207% of capital; the median is 173%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

0 of the 10 banks sit above the 100% construction screen, Bankcda the highest at 88%; the median is 52%.

0 of the 10 lend more than they hold in deposits, Bank of Commerce the furthest at 91%; the median is 78%.

Northwest Bank carries the most nonperforming loans at 3.79% of the book; 4 of the 10 are above 1%, and the median is 0.43%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 3 of the 10 hold an allowance smaller than their nonperforming loans.

Twin River Bank earns the most at 3.01% and Ireland Bank the least at 0.80%; 0 of the 10 earn under 0.50%, and the median is 1.31%.

Bank of Commerce runs the leanest at 33.4% of revenue in cost; 0 of the 10 spend more than 80 cents of every revenue dollar, and the median is 53.9%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
D L Evans Bank	$3.7B	+7.0%	27.6%	57%	0.26%	1.34%	9.3%
Bank of Commerce	$2.3B	+15.3%	39.9%	91%	1.35%	2.09%	14.8%
Northwest Bank	$1.5B	-6.2%	48.2%	78%	3.79%	1.47%	16.1%
First FSB of Twin Falls	$1.4B	+0.6%	28.0%	86%	0.01%	1.28%	9.7%
Idaho First Bank	$1.4B	+48.8%	27.7%	78%	0.05%	0.86%	10.5%
Farmers Bank	$678M	+11.5%	13.1%	77%	0.59%	1.62%	15.4%
Ireland Bank	$355M	-4.5%	20.9%	60%	2.84%	0.80%	10.3%
Idaho Trust Bank	$256M	+10.2%	34.5%	75%	0.00%	0.89%	10.3%
Bankcda	$239M	+5.8%	39.0%	69%	2.70%	0.84%	11.0%
Twin River Bank	$173M	-0.9%	20.8%	78%	0.16%	3.01%	12.7%

Credit unions

Idaho's 26 credit unions hold $25.6B in assets at 31 March 2026. Idaho Central is the largest at $15.0B, and the five largest hold 82% of the total; 4 institutions are above $1B, holding $20.1B.

Loans grew a median +3.2% in the year to 31 March 2026: 7 institutions grew faster than 10% and 9 shrank. The median credit union lends 85% of its shares, with member business loans at 0.3% of loans. Delinquent loans sit at a median 0.65% of the book, return on assets at 0.62%, and net worth at 10.0% of assets.

None of the 26 is in the catalogue yet.

Idaho Central holds 58.5% of the state's credit union assets; the five largest hold 82%, and 4 of the 26 are above $1B.

The curve's distance from the diagonal is the concentration: 82% of the assets in 19% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Clarity grew fastest at +18.5%; 7 grew faster than 10% and 9 shrank, Capital Educators the most at -12.9%. The median is +3.2%.

Northwest Christian carries the most commercial lending at 36.3% of loans; 8 of the 26 are above 10%, against a median of 0.3%.

5 of the 26 lend more than they hold in shares, Freedom Northwest the furthest at 114%; the median is 85%.

Mini-cassia Empl. carries the most delinquency at 2.77% of the book; 8 of the 26 are above 1%, and the median is 0.65%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 7 of the 26 hold an allowance smaller than their delinquent loans.

Members Preferred earns the most at 2.82% and Trugrocer the least at -1.19%; 9 of the 26 earn under 0.50%, and the median is 0.62%.

Freedom Northwest runs the leanest at 25.5% of revenue in cost; 10 of the 26 spend more than 80 cents of every revenue dollar, and the median is 77.9%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Idaho Central	$15.0B	+16.8%	16.4%	98%	0.43%	1.06%	8.3%
Potlatch No. 1 Financial	$2.2B	-1.9%	19.2%	92%	0.32%	0.60%	8.8%
Westmark	$1.6B	+12.7%	9.1%	103%	0.30%	0.43%	8.1%
Capital Educators	$1.4B	-12.9%	31.4%	103%	1.00%	0.30%	8.1%
Frontier	$810M	+16.0%	13.8%	91%	0.51%	0.63%	8.8%
Pioneer	$739M	-1.8%	0.3%	75%	0.99%	0.93%	10.0%
Freedom Northwest	$668M	+12.4%	0.3%	114%	0.62%	2.42%	13.2%
Beehive	$642M	+4.4%	23.0%	83%	1.34%	1.12%	8.8%
Trugrocer	$319M	+0.4%	0.0%	56%	0.56%	-1.19%	16.2%
Lookout	$309M	+2.6%	25.5%	78%	1.29%	0.63%	7.7%
Advantage Plus	$290M	+10.1%	0.1%	91%	0.25%	0.57%	9.7%
Cottonwood Community	$280M	+6.0%	29.0%	75%	0.94%	1.47%	14.8%
Lewis Clark	$275M	+5.4%	1.3%	83%	0.48%	0.51%	10.1%
Connections	$259M	+0.5%	0.8%	88%	1.38%	0.42%	8.3%
Clarity	$231M	+18.5%	0.1%	79%	1.00%	0.60%	10.0%