Safest Banks in Idaho 2026
Idaho has 8 FDIC-insured banks with an average Bank Health Score of 80/100 (A). The safest bank is Idaho Trust Bank with a score of 96/100.
Data from FDIC Q2 2024
8 Idaho banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Idaho's 8 FDIC-insured banks hold a combined $7.6B in assets. Their average Bank Health Score of 80/100 sits 10.0 points above the national average of 70/100. Across the state, 75% of banks earn an A or B grade for financial health, while 0% fall to a D or F.
The largest bank headquartered in Idaho is D L Evans Bank with $3.2B in assets and a Bank Health Score of 60/100. The strongest by score is Idaho Trust Bank in Boise (96/100, Tier 1 capital 15.24%). The weakest is D L Evans Bank at 60/100, dragged down by an NPL ratio of 0.31%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Idaho
Idaho Trust Bank
Boise, ID
Idaho's top-rated bank, with a Tier 1 capital ratio of 15.24% — well above the federal "well-capitalized" threshold of 8%. Holds $208M in assets.
Ireland Bank
Malad City, ID
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.06% with $372M in total assets.
Twin River Bank
Lewiston, ID
Third in the rankings on the Bank Health Score. Liquidity ratio of 17.78% and ROA of 3.65%.
Top 8 Banks in Idaho
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Idaho Trust Bank | Boise | A | 96 | 15.24% | 0.00% |
| 2 | Ireland Bank | Malad City | A | 93 | 14.31% | 0.06% |
| 3 | Twin River Bank | Lewiston | A | 87 | 15.00% | 0.13% |
| 4 | First FSB of Twin Falls | Twin Falls | A | 86 | 12.24% | 0.04% |
| 5 | Bank of Idaho | Idaho Falls | A | 84 | 13.58% | 0.54% |
| 6 | Idaho First Bank | Mccall | B | 76 | 12.77% | 0.30% |
| 7 | Bankcda | Coeur D Alene | C | 61 | 0.00% | 0.00% |
| 8 | D L Evans Bank | Burley | C | 60 | 0.00% | 0.31% |
Bank Health Scores for Idaho are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Idaho Trust Bank in Boise is currently the safest bank in Idaho with a score of 96/100 (Grade A). It posts a Tier 1 capital ratio of 15.24% and a nonperforming loan ratio of 0.00%.
Idaho has 8 FDIC-insured banks with a combined $7.6B in total assets. The average Bank Health Score across the state is 80/100 (Grade A).
Idaho's average Bank Health Score of 80/100 is 10.0 points above the national average of 70/100. 75% of banks in Idaho earn an A or B grade, compared with the national average grade of B.
Of 8 FDIC-insured banks headquartered in Idaho, 5 earn an A, 1 a B, 2 a C, 0 a D, and 0 an F. The most common grade is A.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).