Idaho First Bank
Mccall, Idaho · FDIC Cert #58095
Idaho First Bank is an FDIC-insured bank (Certificate #58095) with $667M in total assets and $588M in total deposits as of the Q2 2024 Call Report. Headquartered in Mccall, Idaho, the bank maintains a Tier 1 capital ratio of 12.77% (Well-Capitalized) and a nonperforming loan ratio of 0.30%. BankHealthData assigns a composite Health Grade of B (76/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Idaho First Bank (FDIC cert 58095) is a community bank — $667M in total assets, $588M in deposits, serving the Mccall, Idaho area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.77% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.30% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 16.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.29% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Idaho First Bank carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Idaho First Bank
- Total Assets
- $667M
- Total Deposits
- $588M
- Tier 1 Capital Ratio
- 12.77%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.30%
- Liquidity Ratio
- 16.70%
- Return on Assets
- 1.29%
- Headquarters
- Mccall, Idaho
- FDIC Certificate
- #58095
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Idaho First Bank holds a Tier 1 capital ratio of 12.77%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Idaho First Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Idaho First Bank shows strong financial health indicators. With $667M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Idaho First Bank Compares
Idaho First Bank’s Health Score of 76 is 4 points below the Idaho state average of 80 across 8 FDIC-insured banks. Its 12.77% Tier 1 capital ratio is 1.2 points below the US banking industry average near 14%. The 0.30% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.29% is in line with or above the national ROA benchmark of ~1.1%. Among 1294 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Idaho First Bank is 6 points above the portfolio average of 70.
Frequently Asked Questions
Idaho First Bank has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.77%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Idaho First Bank's Tier 1 capital ratio of 12.77% and nonperforming loan ratio of 0.30% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Idaho First Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58095). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Idaho First Bank holds $667M in total assets and $588M in total deposits. It is headquartered in Mccall, Idaho (FDIC Certificate #58095).
Idaho First Bank has a Tier 1 capital ratio of 12.77%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.30%, and the return on assets is 1.29%.
Yes. Idaho First Bank is FDIC-insured (Certificate #58095). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Idaho First Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.