🏦Bank Scorer

IDAHO FIRST BANK

MCCALL, ID · Supervised by FDIC

Est. 2005FDIC #58,095RSSD: FDIC-58095
Part ofBAWAG GROUP AG→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.65%

Institution Profile

FDIC BankFind

Address

475 E Deinhard Ln, MCCALL, ID

County

Valley County

Established

October 3, 2005

Total Assets

$1.4B(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

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$866M

Net Income

$2M

ROA

0.65%

ROE

6.85%

Risk-Based Capital

15.98%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate8.51%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$998M

1-Year Change

+1

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244759.57%8.51%
20234170.73%9.76%
202211066.36%13.64%
202126677.44%6.39%
202023973.64%7.95%
201917075.29%4.71%
201827378.75%5.13%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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