Bank of Idaho

399 North Capital Avenue
Idaho Falls, ID 83402

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 26403
Date Established 1985
Assets $0.33 billion
Loans $0.22 billion
Deposits $0.30 billion
Capital $0.03 billion

Bank of Idaho is an FDIC insured institution located in Idaho Falls, ID. It was founded in 1985 and has approximately $0.33 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of Bank of Idaho's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 23, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $4,999 Learn MoreShow Less
Money Market
0.10% $5,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.05% $1 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $5,000 $19,999 Learn MoreShow Less
3 Mo CD
0.05% $100,000 - Learn MoreShow Less
0.30% $5,000 $19,999 Learn MoreShow Less
6 Mo CD
0.30% $100,000 - Learn MoreShow Less
0.50% $5,000 $19,999 Learn MoreShow Less
12 Mo CD
0.50% $100,000 - Learn MoreShow Less
0.75% $5,000 $19,999 Learn MoreShow Less
18 Mo CD
0.75% $100,000 - Learn MoreShow Less
0.85% $5,000 $19,999 Learn MoreShow Less
24 Mo CD
0.85% $100,000 - Learn MoreShow Less
1.10% $5,000 $19,999 Learn MoreShow Less
36 Mo CD
1.10% $100,000 - Learn MoreShow Less
1.21% $5,000 $19,999 Learn MoreShow Less
48 Mo CD
1.21% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.50% $500 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $4,999 Learn MoreShow Less

Loan Rates - July 23, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bank of Idaho

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
NASB
NMLS ID: 400039
4.000% 4.000% 0.00 $0 $1,194 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.752% 3.750% 0.00 $60 $1,158 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info

Note to Bank of Idaho
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bank of Idaho branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Bank of Idaho Locations


Financial Details

Bank of Idaho Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Idaho. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Idaho U.S. Bank Average
21.57% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Bank of Idaho had $5,239,000 in non-current loans and $3,106,000 in owned real estate. To cover these potential losses it had $34,565,000 in equity and $4,116,000 in loans loss reserves. That gives it a Texas Ratio of 21.57%.

Return on Equity
Bank of Idaho U.S. Bank Average
19.64% 9.47%

Bank of Idaho has a Return on Equity of 19.64% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Idaho U.S. Bank Average
10.37% 12.49%

Bank of Idaho has a Capitalization of 10.37% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Idaho Balance Sheet Analysis

As of March 31, 2019, Bank of Idaho had assets of $333,313,000, loans of $217,962,000, and deposits of $296,447,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.22 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.30 billion
LIABILITIES
Total deposits $0.30 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.30 billion
      % insured (estimated) 81.92%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.30 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of Idaho’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Bank of Idaho’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.97
Multifamily
Mortgages
4.35
Credit Card Loans 0.00
Consumer Auto Loans 1.12
Small Business Loans 0.00
Construction and Development Loans 8.07
Commercial Real Estate 41.35
Commercial and Industrial Loans 15.97
Farm Loans 9.18

Frequently Asked Questions About Bank Of Idaho

Branches and Savings

Is Bank Of Idaho FDIC insured?

Yes. It is covered under FDIC Certificate #26403.

Why does Bank Of Idaho pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Idaho CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Idaho a commercial bank?

Yes

Where are Bank Of Idaho locations?

See branch locations nearby.

Is Bank Of Idaho open on Saturdays?

Is Bank Of Idaho open on Sundays?

What time does Bank Of Idaho open?

What time does Bank Of Idaho close?

Are Bank Of Idaho ATMs Open 24/7?

Do Bank Of Idaho ATMs accept cash deposits?

Can Bank Of Idaho customers use other ATMs?

Do Bank Of Idaho branches have notaries?

Will Bank Of Idaho notarize my document?

What address for Bank Of Idaho should I put for incoming ACH transfers?

Will the Bank Of Idaho branch print checks?

Do Bank Of Idaho checks expire?

Does Bank Of Idaho require US citizenship to open account?

Can Bank Of Idaho close my account?

Does Bank Of Idaho Report to credit bureaus?

Does Bank Of Idaho Use Equifax?

What is Bank Of Idaho's ACH Routing Number?

What is Bank Of Idaho's SWIFT code?

Products

Does Bank Of Idaho offer mortgages?

Compare mortgage rates here.

Does Bank Of Idaho offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Idaho offer personal loans?

Compare personal loan rates here.

Does Bank Of Idaho offer student loans?

Will Bank Of Idaho cash a check?

Will Bank Of Idaho redeem a savings bond?

Does Bank Of Idaho cash savings bonds?

Will Bank Of Idaho cash money orders?

Can Bank Of Idaho issue a money order?

Does Bank Of Idaho do currency exchange?

Background on The Bank

Who owns Bank Of Idaho?

How long has Bank Of Idaho been around?

Can Bank Of Idaho transfer to other banks?

Does Bank Of Idaho have quick pay?

Does Bank Of Idaho accept rolled coins?

Will Bank Of Idaho accept loose change?

Where is Bank Of Idaho headquarters?

Customer Reviews for Bank of Idaho

There are currently no comments for Bank of Idaho. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →