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
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).
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.
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.
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%).