Headquartered in Mccall, Idaho, Idaho First Bank is a state-chartered bank with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 2005.
Idaho First Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 10 banks headquartered in Idaho, it ranks 7th. Problem-loan coverage contributes the most (99/100, 0.3%); earnings contributes the least (54/100, 0.84%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 69 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.83% |
| Q3 2024 | 10.94% |
| Q4 2024 | 10.47% |
| Q1 2025 | 10.66% |
| Q2 2025 | 10.18% |
| Q3 2025 | 10.16% |
| Q4 2025 | 10.18% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.4B | 10.47% | 0.05% | 0.84% | 77.2% |
| Q1 2026 | 69 | $1.4B | 10.25% | 0.09% | 0.65% | 70.7% |
| Q4 2025 | 71 | $1.5B | 10.18% | 0.02% | 0.65% | 60.6% |
| Q3 2025 | 71 | $1.2B | 10.16% | 0.03% | 0.64% | 63.8% |
| Q2 2025 | 71 | $1.1B | 10.18% | 0.00% | 0.62% | 62.9% |
| Q1 2025 | 73 | $961.6M | 10.66% | 0.00% | 0.71% | 66.2% |
| Q4 2024 | 71 | $827.7M | 10.47% | 0.13% | 0.86% | 72.9% |
| Q3 2024 | 70 | $764.6M | 10.94% | 0.29% | 0.92% | 81.8% |
| Q2 2024 | 69 | $667.1M | 10.83% | 0.30% | 0.95% | 91.7% |
897 peers · $1 billion – $10 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).
Similar-size banks in Idaho
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings Bank of Twin FallsBank Twin Falls, ID | 76 out of 100, Strong | $1.4B | 10.4% | 0.01% | vs |
| Northwest BankBank Boise, ID | 61 out of 100, Moderate | $1.5B | 16.6% | 3.79% | vs |
| The Bank of CommerceBank Ammon, ID | 78 out of 100, Strong | $2.3B | 15.7% | 1.35% | vs |
| D. L. Evans BankBank Burley, ID | 76 out of 100, Strong | $3.7B | 10.4% | 0.26% | vs |
Deposit insurance
Is my money safe at Idaho First Bank?
Yes. Idaho First Bank is an FDIC-insured institution (FDIC certificate #58095). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.0% of deposits ($435.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.17% (benchmark: 10%).
9 locations
Branches
Idaho First Bank lists 8 offices in 8 cities across 2 states. Most locations:
- Bend, OR (1)
- Boise, ID (1)
- Eagle, ID (1)
- Hailey, ID (1)
- Ketchum, ID (1)
- Mccall, ID (1)
- Nampa, ID (1)
- New Meadows, ID (1)
HMDA 2025
Mortgage lending
In 2025, Idaho First Bank reported 26 home-loan applications under HMDA (LEI 549300SQ82MLLWN3PD61): 14 originated ($19,590,000 total), 5 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Idaho First Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58095
- RSSD ID
- 3384952
- Primary regulator
- FDIC
- Holding company
- Bawag Group Ag
- Established
- October 3, 2005
- Headquarters
- 475 E Deinhard Ln, Mccall, ID 83638
- Website
- www.idahofirstbank.com
- Employees
- 93
Quick answers
Idaho First Bank: common questions
Is Idaho First Bank FDIC insured?
Yes. Idaho First Bank is an FDIC-insured institution (FDIC certificate #58095). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Idaho First Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Idaho First Bank ever failed?
There is no failure record for FDIC certificate #58095 in the FDIC failed bank list.
How many branches does Idaho First Bank have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Mccall
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Columbia BankBank Roseburg, OR | 64 out of 100, Moderate | $65.4B | 9.7% | 0.57% | vs |
| WaFd BankBank Seattle, WA | 61 out of 100, Moderate | $27.6B | 9.2% | 0.63% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |