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The Bank Of Commerce
Ammon, ID · FDIC Certificate #18059 · Chartered 08/0
Total assets
$2.34B
Total deposits
$1.93B
Total equity
$346.36M
Net loans
$1.74B
Branches (offices)
17
Net income (YTD)
$24.35M
Rank: #530 of 4,213 U.S. banks by assets · #2 of 10 in Idaho. Assets changed 7.3% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.13% |
| Return on equity | 14.53% |
| Net interest margin (YTD) | 4.67% |
| Equity to assets | 14.77% |
| Tier 1 leverage ratio | 15.69% |
| Uninsured deposits (share of deposits) | 43.4% |
| Noncurrent loans (share of loans) | 1.35% |
| Net charge-offs (share of loans) | 0.56% |
| Loans to deposits | 90.0% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.23B | 70.6% | |
| Commercial & industrial | $256.45M | 14.7% | |
| Consumer / individual | $9.46M | 0.5% | |
| Construction & development | $233.09M | 13.4% | |
| Agricultural | $274.46M | 15.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.90B | $1.68B | $15.78M | $217.11M |
| Jun 2023 | $1.92B | $1.62B | $25.24M | $248.10M |
| Jun 2024 | $2.04B | $1.71B | $22.66M | $276.92M |
| Jun 2025 | $2.18B | $1.81B | $25.55M | $312.94M |
| Jun 2026 | $2.34B | $1.93B | $24.35M | $346.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Idaho | $1.80B | 16 |
| Montana | $132.22M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.93B.
Similar-sized banks
Texas First Bank ($2.35B) · Luana Savings Bank ($2.34B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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