Idaho Trust Bank vs The Bank Of Commerce
Comparing a Bank in Boise, ID with a Bank in Ammon, ID using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Idaho Trust Bank ↗ Bank · Boise, ID · Est. 1994 | The Bank Of Commerce ↗ Bank · Ammon, ID · Est. 1959 | |
|---|---|---|
| Trust Grade | A · 97/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Boise, ID | Ammon, ID |
| Total assets | $232.6M | $2.3B |
| Capital ratio | 11.2% | 14.9% |
| Return on assets | 0.9% | 2.2% |
| Deposits | $203.0M | $1.9B |
| Branches | 2 | 17 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 10 | #1 of 10 |
| Established | 1994 | 1959 |
Idaho Trust Bank
- Assets: $232.6M
- Deposits: $203.0M
- Capital ratio: 11.2%
- Return on assets: 0.9%
- CFPB complaints: 0
- State rank: #5 of 10
The Bank Of Commerce
- Assets: $2.3B
- Deposits: $1.9B
- Capital ratio: 14.9%
- Return on assets: 2.2%
- CFPB complaints: 0
- State rank: #1 of 10
Are both institutions federally insured?
Yes. Idaho Trust Bank is FDIC-insured and The Bank Of Commerce is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Idaho Trust Bank or The Bank Of Commerce?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Bank Of Commerce scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Idaho Trust Bank safe?
Yes — Idaho Trust Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (97/100), reflecting its financial strength and complaint history relative to peers.
Is The Bank Of Commerce safe?
Yes — The Bank Of Commerce is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Idaho Trust Bank vs The Bank Of Commerce?
Idaho Trust Bank has a capital ratio of 11.2%, placing it in the top 36% of $100M–1B peers. The Bank Of Commerce's ratio is 14.9%, placing it in the top 7% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Idaho Trust Bank have compared to The Bank Of Commerce?
The CFPB database shows 0 complaints against Idaho Trust Bank, and 0 complaints against The Bank Of Commerce. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Idaho Trust Bank with other Banks in Idaho
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
