Idaho Trust Bank

888 West Broad Street
Boise, ID 83702

Notable Rates APY Vs.Others
Savings 0.02% 2.10% →
1-Year CD 0.18% 2.02% →
2-Year CD 0.27% 2.02% →
5-Year CD N.A. 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Bank Information

Idaho Trust Bank is an FDIC insured institution located in Boise, ID. It was founded in 1994 and has approximately $0.15 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 35103
Date Established 1994
Assets $0.15 billion
Loans $0.09 billion
Deposits $0.13 billion
Capital $0.02 billion

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

Deposit Rates - March 29, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.04% $1 $9,999 Learn MoreShow Less
Money Market
0.05% $10,000 $24,999 Learn MoreShow Less
Money Market
0.06% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.04% $1,000 - Learn MoreShow Less
6 Mo CD
0.10% $1,000 - Learn MoreShow Less

Fixed IRA
0.18% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.01% $1 $9,999 Learn MoreShow Less

Loan Rates - March 29, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Idaho Trust Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to Idaho Trust Bank
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Financial Details

Idaho Trust Bank Ratio Analysis

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

Texas Ratio
Idaho Trust Bank U.S. Bank Average
0.65% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 September 30, 2019, Idaho Trust Bank had $132,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,503,000 in equity and $925,000 in loans loss reserves. That gives it a Texas Ratio of 0.65%.

Return on Equity
Idaho Trust Bank U.S. Bank Average
4.38% 9.72%

Idaho Trust Bank has a Return on Equity of 4.38% versus the BestCashCow average of 9.72%. 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.

Idaho Trust Bank U.S. Bank Average
13.38% 12.89%

Idaho Trust Bank has a Capitalization of 13.38% versus the BestCashCow average of 12.89. 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.

Idaho Trust Bank Balance Sheet Analysis

As of September 30, 2019, Idaho Trust Bank had assets of $145,738,000, loans of $90,616,000, and deposits of $125,772,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.04 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 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 $0.01 billion
     Total Assets $0.13 billion
Total deposits $0.13 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.13 billion
      % insured (estimated) 52.69%
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 $0.13 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

September 30, 2019
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 $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

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

Compared to other banks in Idaho, Idaho Trust Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.45
Credit Card Loans 0.00
Consumer Auto Loans 0.15
Small Business Loans 0.00
Construction and Development Loans 6.74
Commercial Real Estate 40.00
Commercial and Industrial Loans 20.48
Farm Loans 0.00

Frequently Asked Questions About Idaho Trust Bank

Branches and Savings

Is Idaho Trust Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35103.

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

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

Why are Idaho Trust Bank CD rates not competitive?

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

Is Idaho Trust Bank a commercial bank?


Where are Idaho Trust Bank locations?

See branch locations nearby.

Is Idaho Trust Bank open on Saturdays?

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Are Idaho Trust Bank ATMs Open 24/7?

Do Idaho Trust Bank ATMs accept cash deposits?

Can Idaho Trust Bank customers use other ATMs?

Do Idaho Trust Bank branches have notaries?

Will Idaho Trust Bank notarize my document?

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

Will the Idaho Trust Bank branch print checks?

Do Idaho Trust Bank checks expire?

Does Idaho Trust Bank require US citizenship to open account?

Can Idaho Trust Bank close my account?

Does Idaho Trust Bank Report to credit bureaus?

Does Idaho Trust Bank Use Equifax?

What is Idaho Trust Bank's ACH Routing Number?

What is Idaho Trust Bank's SWIFT code?


Does Idaho Trust Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Idaho Trust Bank offer personal loans?

Compare personal loan rates here.

Does Idaho Trust Bank offer student loans?

Will Idaho Trust Bank cash a check?

Will Idaho Trust Bank redeem a savings bond?

Does Idaho Trust Bank cash savings bonds?

Will Idaho Trust Bank cash money orders?

Can Idaho Trust Bank issue a money order?

Does Idaho Trust Bank do currency exchange?

Background on The Bank

Who owns Idaho Trust Bank?

How long has Idaho Trust Bank been around?

Can Idaho Trust Bank transfer to other banks?

Does Idaho Trust Bank have quick pay?

Does Idaho Trust Bank accept rolled coins?

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Where is Idaho Trust Bank headquarters?

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