This institution is no longer active

Operations ceased on April 8, 2019. CRA examination history below reflects the period it was active.

IDAHO INDEPENDENT BANK

COEUR D ALENE, ID · Supervised by FDIC

Est. 1993FDIC #33,845RSSD: FDIC-33845

Outstanding Up

Current rating · Exam: September 2016

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.63%

Is this bank safe?

IDAHO INDEPENDENT BANK earned an Outstanding CRA rating (2016), is financially strong (ROA +1.63%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

1260 West Riverstone Drive, COEUR D ALENE, ID

County

Kootenai County

Established

October 11, 1993

Total Assets

$728M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2019Call Report / FDIC

Total Assets

$728M

Total Deposits

$601M

Net Loans

$341M

Net Income

$3M

ROA

1.63%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.21%

Risk-Based Capital

20.16%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.63%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.16%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.14%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	547	63.44%	9.14%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2016	Outstanding	Intermediate Small Bank
Jul 2013	Satisfactory	Intermediate Small Bank
Apr 2011	Satisfactory	Intermediate Small Bank

5 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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