Headquartered in Boise, Idaho, Idaho Trust Bank is a state-chartered bank with $255.6M in total assets and $225.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1994.
Based on its Q2 2026 filing, Idaho Trust Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 10 banks headquartered in Idaho, it ranks 6th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (51/100; 74% loans-to-deposits, 46% uninsured).
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 (73 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 74 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 71 |
| Q4 2025 | 77 |
| Q1 2026 | 74 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.78% |
| Q3 2024 | 10.62% |
| Q4 2024 | 11.01% |
| Q1 2025 | 11.63% |
| Q2 2025 | 11.22% |
| Q3 2025 | 10.29% |
| Q4 2025 | 10.44% |
| Q1 2026 | 11.36% |
| Q2 2026 | 11.23% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.79% |
| Q4 2024 | 1.03% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.94% |
| Q3 2025 | 1.01% |
| Q4 2025 | 1.66% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $255.6M | 11.23% | 0.00% | 0.87% | 74.1% |
| Q1 2026 | 74 | $232.6M | 11.36% | 0.00% | 0.89% | 78.7% |
| Q4 2025 | 77 | $243.4M | 10.44% | 0.00% | 1.66% | 72.1% |
| Q3 2025 | 71 | $233.5M | 10.29% | 0.00% | 1.01% | 75.7% |
| Q2 2025 | 73 | $229.5M | 11.22% | 0.00% | 0.94% | 74.1% |
| Q1 2025 | 73 | $202.4M | 11.63% | 0.00% | 0.87% | 84.1% |
| Q4 2024 | 74 | $201.9M | 11.01% | 0.00% | 1.03% | 78.2% |
| Q3 2024 | 72 | $220.2M | 10.62% | 0.00% | 0.79% | 73.9% |
| Q2 2024 | 73 | $208.1M | 10.78% | 0.00% | 0.79% | 74.4% |
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).
Similar-size banks in Idaho
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BankcdaBank Coeur D Alene, ID | 52 out of 100, Below average | $238.9M | 11.4% | 2.70% | vs |
| Twin River BankBank Lewiston, ID | 89 out of 100, Very strong | $173.0M | 12.8% | 0.16% | vs |
| Ireland BankBank Malad City, ID | 53 out of 100, Below average | $355.4M | 11.5% | 2.84% | vs |
| Farmers BankBank Buhl, ID | 88 out of 100, Very strong | $678.4M | 15.9% | 0.59% | vs |
Deposit insurance
Is my money safe at Idaho Trust Bank?
Yes. Idaho Trust Bank is an FDIC-insured institution (FDIC certificate #35103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.5% of deposits ($104.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.23%, 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%).
2 locations
Branches
Idaho Trust Bank lists 2 offices in 2 cities. Most locations:
- Boise, ID (1)
- Coeur D Alene, ID (1)
Identity & history
Profile
- Legal name
- Idaho Trust Bank
- Former names
- Idaho Trust Company; Wealthbank, National Association; Idaho Trust National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35103
- RSSD ID
- 2753917
- Primary regulator
- FDIC
- Holding company
- Idaho Trust Bcorp
- Established
- August 30, 1994
- Headquarters
- 888 W Broad St, Boise, ID 83702
- Website
- www.idahotrust.com
- Employees
- 38
Quick answers
Idaho Trust Bank: common questions
Is Idaho Trust Bank FDIC insured?
Yes. Idaho Trust Bank is an FDIC-insured institution (FDIC certificate #35103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Idaho Trust Bank's TellerScore?
72 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 Trust Bank ever failed?
There is no failure record for FDIC certificate #35103 in the FDIC failed bank list.
How many branches does Idaho Trust Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Boise
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Goldenwest Federal Credit UnionCredit union Ogden, UT | 81 out of 100, Strong | $4.3B | 13.2% | 0.47% | vs |
| D. L. Evans BankBank Burley, ID | 76 out of 100, Strong | $3.7B | 10.4% | 0.26% | vs |
| First Federal Savings Bank of Twin FallsBank Twin Falls, ID | 76 out of 100, Strong | $1.4B | 10.4% | 0.01% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| Trugrocer Federal Credit UnionCredit union Boise, ID | 73 out of 100, Strong | $320.1M | 16.0% | 0.81% | vs |
| Banner BankBank Walla Walla, WA | 72 out of 100, Strong | $16.6B | 11.2% | 0.46% | vs |