The Bank Of Commerce vs Idaho Trust Bank
Comparing a Bank in Ammon, ID with a Bank in Boise, ID using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Bank Of Commerce ↗ Bank · Ammon, ID · Est. 1959 | Idaho Trust Bank ↗ Bank · Boise, ID · Est. 1994 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 97/100 |
| Institution type | Bank | Bank |
| Location | Ammon, ID | Boise, ID |
| Total assets | $2.3B | $232.6M |
| Capital ratio | 14.9% | 11.2% |
| Return on assets | 2.2% | 0.9% |
| Deposits | $1.9B | $203.0M |
| Branches | 17 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 10 | #5 of 10 |
| Established | 1959 | 1994 |
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
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
Are both institutions federally insured?
Yes. The Bank Of Commerce is FDIC-insured and Idaho Trust Bank 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, The Bank Of Commerce or Idaho Trust Bank?
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 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 regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
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. Its Trust Grade is A (97/100).
What is the capital ratio of The Bank Of Commerce vs Idaho Trust Bank?
The Bank Of Commerce has a capital ratio of 14.9%, placing it in the top 7% of $1B–10B peers. Idaho Trust Bank's ratio is 11.2%, placing it in the top 36% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Bank Of Commerce have compared to Idaho Trust Bank?
The CFPB database shows 0 complaints against The Bank Of Commerce, and 0 complaints against Idaho Trust Bank. 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 The Bank Of Commerce 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.
