This institution is no longer active

Operations ceased on April 30, 2025. CRA examination history below reflects the period it was active.

BANK OF IDAHO

IDAHO FALLS, ID · Supervised by FDIC

Est. 1985FDIC #26,403RSSD: FDIC-26403

Part ofBANK OF IDAHO HOLDING CO→ View all charters

Satisfactory Same

Current rating · Exam: June 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.46%

Is this bank safe?

BANK OF IDAHO holds a Satisfactory CRA rating (2024), is financially strong (ROA +1.46%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

399 North Capital Avenue, IDAHO FALLS, ID

County

Bonneville County

Established

September 25, 1985

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2025Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$1.1B

Net Income

$5M

ROA

1.46%

Above avg for Community banks. Peer avg: 0.90%

ROE

12.76%

Risk-Based Capital

14.82%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.46%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.82%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate11.93%Peer avg: 10.20%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	176	68.75%	11.93%
2023	294	74.49%	8.50%
2022	425	73.41%	4.94%
2021	950	80.95%	4.00%
2020	1,190	89.41%	2.27%
2019	678	92.77%	2.95%
2018	501	91.42%	4.19%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2024	Satisfactory	Intermediate Small Bank
Mar 2021	Satisfactory	Intermediate Small Bank
Sep 2017	Satisfactory	Small Bank

7 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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