Idaho First Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Idaho First Bank (FDIC Cert #58095) at 72/100 for bank stress — a elevated level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Idaho First Bank runs a compact, regionally concentrated real-estate lending footprint — 6 U.S. counties across 2 states, spanning 57 ZIP codes. Its heaviest exposure sits in Idaho (5 counties), Oregon (1 county). Because Idaho First Bank is held under Bawag Group Ag, its financials are open to scrutiny and its trend can be independently checked. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Idaho First Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because Idaho First Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 72/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Idaho First Bank finances markets like Ada County, ID, Canyon County, ID, Deschutes County, OR, Blaine County, ID — the specific places where its credit posture translates into local lending capacity. A elevated score on a footprint this size means the markets Idaho First Bank touches inherit a corresponding share of that lending pressure. DLRadar does not model Idaho First Bank in isolation: the 57-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when Idaho First Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.