TellerScore

Bankcda (FDIC certificate #57074) is based in Coeur D Alene, Idaho. Its Q2 2026 call report shows $238.9M in total assets and $210.3M in deposits and 7 offices across 2 states.

Bankcda has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 10 banks headquartered in Idaho, it ranks 10th. Funding & liquidity contributes the most (80/100, 68% loans-to-deposits, 26% uninsured); loan quality contributes the least (10/100, 2.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.45%
Loan quality10/100
Noncurrent loans ÷ total loans: 2.70%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 67.8% · 25.9% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 26 points (78 → 52), mostly because the loan quality component weakened by 75 points.

TellerScore
526781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202480
Q4 202480
Q1 202579
Q2 202578
Q3 202578
Q4 202555
Q1 202658
Q2 202652
Tier 1 leverage ratio
5.00%9.33%13.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.37%
Q3 202412.22%
Q4 202412.35%
Q1 202512.70%
Q2 202513.49%
Q3 202513.33%
Q4 202512.88%
Q1 202613.66%
Q2 202611.45%
Noncurrent loans
0.00%1.46%2.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.46%
Q3 20250.47%
Q4 20252.92%
Q1 20262.87%
Q2 20262.70%
Return on assets
0.55%0.70%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.69%
Q4 20240.77%
Q1 20250.55%
Q2 20250.66%
Q3 20250.71%
Q4 20250.80%
Q1 20260.80%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$238.9M11.45%2.70%0.84%67.8%
Q1 202658$232.8M13.66%2.87%0.80%67.2%
Q4 202555$242.8M12.88%2.92%0.80%63.2%
Q3 202578$237.4M13.33%0.47%0.71%62.4%
Q2 202578$227.4M13.49%0.46%0.66%69.0%
Q1 202579$231.4M12.70%0.00%0.55%69.0%
Q4 202480$241.9M12.35%0.00%0.77%67.0%
Q3 202480$240.2M12.22%0.00%0.69%60.3%
Q2 202481$240.6M12.37%0.00%0.76%60.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.45%
57th
Total risk-based capital0.00%
24th
Problem loans2.70%
7th
Net charge-offs-0.02%
91st
Return on assets0.84%
26th
Net interest margin4.43%
77th
Efficiency ratio78.7%
15th
Loans to deposits67.8%
73rd
Uninsured deposits25.9%
43rd
Loan-loss reserves1.49%
78th
Texas ratio13.8%
11th

Similar-size banks in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
Idaho Trust BankBank Boise, ID72 out of 100, Strong$255.6M11.2%0.00%vs
Twin River BankBank Lewiston, ID89 out of 100, Very strong$173.0M12.8%0.16%vs
Ireland BankBank Malad City, ID53 out of 100, Below average$355.4M11.5%2.84%vs
Farmers BankBank Buhl, ID88 out of 100, Very strong$678.4M15.9%0.59%vs

Deposit insurance

Is my money safe at Bankcda?

Yes. Bankcda is an FDIC-insured institution (FDIC certificate #57074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.9% of deposits ($54.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Bankcda lists 6 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bankcda
Type
State-chartered bank
FDIC certificate #
57074
RSSD ID
3010363
Primary regulator
FDIC
Holding company
Coeur D Alene Bcorp
Established
May 17, 2001
Headquarters
912 Northwest Blvd, Coeur D Alene, ID 83814
Employees
42

Quick answers

Bankcda: common questions

Is Bankcda FDIC insured?

Yes. Bankcda is an FDIC-insured institution (FDIC certificate #57074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bankcda's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bankcda ever failed?

There is no failure record for FDIC certificate #57074 in the FDIC failed bank list.

How many branches does Bankcda have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

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