Idaho headquartered banks in the ranking held $3.6 billion in commercial real estate loans as of June 30, 2026, an increase of +9.2% from the prior year. The leading group accounted for 89.5% of that total, showing that the state’s reported CRE balances are concentrated among a relatively small set of institutions. The table covers 10 banks and separates total CRE loans into construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. BestCRE compiled the ranking from FDIC Call Reports, formally called Reports of Condition and Income, schedule RC-C, together with the FDIC Summary of Deposits 2026.
The ranking is limited to banks headquartered in Idaho. It does not measure every institution that can finance an Idaho property, because banks headquartered in other states may lend through Idaho branches, and bank call reports generally present CRE balances across the entire institution rather than by property location. The table also excludes debt funds, life companies, CMBS, agency and SBA lenders. Borrowers should therefore use the ranking as a starting point for identifying banks with meaningful CRE balance sheets, then compare that evidence with property fit, relationship requirements, current availability and proposals from several bank and nonbank sources.
Idaho banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | The Bank of Commerce | Ammon, ID | $942 | $233 | $92.6 | $237 | +19.5% | 53.3% |
| 2 | D. L. Evans Bank | Burley, ID | $942 | $210 | $60.1 | $442 | +8.4% | 52.0% |
| 3 | Northwest Bank | Boise, ID | $527 | $109 | $22.2 | $112 | -4.6% | 61.1% |
| 4 | First Federal Savings Bank of Twin Falls | Twin Falls, ID | $434 | $139 | $10.6 | $131 | +14.3% | 40.2% |
| 5 | Idaho First Bank | Mccall, ID | $373 | $77.8 | $35.5 | $112 | +5.1% | 39.4% |
| 6 | Farmers Bank | Buhl, ID | $108 | $28.4 | $7.0 | $51.5 | +19.4% | 24.9% |
| 7 | bankcda | Coeur D Alene, ID | $98.2 | $24.0 | $9.2 | $41.8 | +8.9% | 67.8% |
| 8 | Idaho Trust Bank | Boise, ID | $79.0 | $8.4 | $14.6 | $20.6 | +12.7% | 46.7% |
| 9 | Ireland Bank | Malad City, ID | $52.8 | $5.8 | $10.4 | $13.3 | -13.5% | 28.0% |
| 10 | Twin River Bank | Lewiston, ID | $40.5 | $14.3 | $0.8 | $16.2 | +4.5% | 34.6% |
Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.
The Bank of Commerce and D. L. Evans Bank are effectively level at the top, with $942.2 million and $941.5 million in total CRE loans. Their mix differs. The Bank of Commerce reports $379.2 million in investor nonfarm nonresidential loans, while D. L. Evans Bank reports $442.3 million in owner occupied loans. Northwest Bank ranks third at $527.4 million and has the table’s largest reported CRE share of loans among the leading banks at 61.1%, with $284.2 million in investor nonfarm nonresidential loans. Growth is broad but uneven. The Bank of Commerce increased +19.5%, Farmers Bank increased +19.4%, and First Federal Savings Bank of Twin Falls increased +14.3%. Northwest Bank declined -4.6%, while Ireland Bank declined -13.5%. Investor CRE to equity ranges from 0.54x at Farmers Bank to 2.21x at Idaho Trust Bank, indicating meaningful differences in balance sheet concentration across the group.
Out of state banks with branches in Idaho
| Bank | Headquarters state | Branches in Idaho | Deposits in Idaho ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Wells Fargo Bank, N.A. | South Dakota | 44 | $6,957 | $121,623 |
| U.S. Bank, N.A. | Ohio | 51 | $6,834 | $50,718 |
| Glacier Bank | Montana | 34 | $3,105 | $12,859 |
| Zions Bancorporation, N.A. | Utah | 25 | $2,833 | $23,684 |
| Bank of America, N.A. | North Carolina | 6 | $2,061 | $79,906 |
| JPMorgan Chase Bank, N.A. | Ohio | 17 | $2,032 | $179,847 |
| Washington Trust Bank | Washington | 12 | $1,698 | $3,536 |
| First Interstate Bank | Montana | 20 | $1,694 | $8,497 |
| KeyBank, N.A. | Ohio | 20 | $1,565 | $17,153 |
| Columbia Bank | Oregon | 25 | $1,532 | $26,361 |
| WaFd Bank | Washington | 21 | $982 | $10,190 |
| Banner Bank | Washington | 9 | $747 | $7,532 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Idaho only; CRE loans are bank wide.
The ranking is a starting point for a commercial loan search
Total CRE loans provide a practical indication of a bank’s demonstrated appetite and hold capacity. A larger balance sheet does not establish that a bank will approve a particular request, but it helps borrowers identify institutions already carrying substantial commercial property exposure. The Bank of Commerce and D. L. Evans Bank each report more than $941.5 million in total CRE loans, while Idaho First Bank reports $373.2 million. Those balances give borrowers a useful first screen before contacting lenders about property type, requested loan size and relationship expectations.
The category mix shows where each bank has been most active, while the year over year change shows whether its reported CRE book is expanding or contracting. Concentration measures add another consideration because a bank with a high CRE share or a high investor CRE to equity ratio may be selective even when its historical balances are large. Bank lending remains relationship driven and local. Borrowers should contact several plausible institutions, confirm current interest directly and compare complete proposals rather than treating table position as an approval forecast.
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Tell Us About Your DealHow BestCRE Capital WorksLoan mix and concentration distinguish the Idaho banks
The 10 ranked banks report $849.7 million in construction and land loans, $262.9 million in multifamily loans, $1.2 billion in owner occupied loans and $1.3 billion in investor nonfarm nonresidential loans. The Bank of Commerce has the largest construction and land balance at $233.1 million and the largest multifamily balance at $92.6 million. D. L. Evans Bank leads the owner occupied category at $442.3 million. The Bank of Commerce leads investor nonfarm nonresidential lending at $379.2 million, followed by Northwest Bank at $284.2 million.
Concentration measures the role of CRE within each institution rather than simply its dollar size. bankcda reports the highest CRE share of loans in the table at 67.8%, followed by Northwest Bank at 61.1%. Farmers Bank reports a lower 24.9%. Investor CRE to equity is highest at Idaho Trust Bank at 2.21x, followed by First Federal Savings Bank of Twin Falls at 2.19x and bankcda at 2.16x. Farmers Bank is lowest at 0.54x. These figures can help borrowers anticipate which institutions may apply greater selectivity because of existing exposure.
Idaho borrowers have additional bank and nonbank options
Several banks headquartered elsewhere maintain substantial Idaho branch networks. U.S. Bank, N.A. has 51 branches and $6.8 billion in Idaho deposits, while Wells Fargo Bank, N.A. has 44 branches and $7.0 billion. Glacier Bank has 34 branches and $3.1 billion, and Zions Bancorporation, N.A. has 25 branches and $2.8 billion. Their total CRE figures cover all states, so those balances should not be interpreted as Idaho loan totals. Branch presence and local deposits instead show that these institutions have an established in-state operating footprint.
Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders, none of which appear in bank call reports. Each source evaluates transactions under its own program rules and balance sheet constraints. A broad comparison matters because a highly ranked bank may not be the closest fit for every property, loan size or ownership profile, while an institution outside the Idaho headquarters ranking may still be active locally. Reviewing several bank and nonbank sources provides a wider view of available structures and helps borrowers assess complete proposals on consistent terms.
Frequently Asked Questions
How did BestCRE rank commercial real estate lenders in Idaho?
BestCRE ranked banks headquartered in Idaho by total commercial real estate loans reported as of June 30, 2026. The analysis uses FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C, and the FDIC Summary of Deposits 2026. The table includes 10 Idaho headquartered banks with a combined $3.6 billion in CRE loans. Total CRE consists of reported construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. The ranking measures balance sheet exposure, not loan originations, approvals, pricing or the location of every underlying property.
Which Idaho bank has the largest construction loan balance?
The Bank of Commerce reports the largest construction and land balance among the ranked Idaho headquartered banks at $233.1 million. D. L. Evans Bank follows with $209.9 million, and First Federal Savings Bank of Twin Falls reports $138.6 million. Construction balances are only one component of total CRE lending. The Bank of Commerce also reports $92.6 million in multifamily loans, $237.3 million in owner occupied loans and $379.2 million in investor nonfarm nonresidential loans. Borrowers should use these balances as evidence of historical activity, not as confirmation of current availability.
Which Idaho banks increased their CRE loan books most recently?
The Bank of Commerce reports the strongest year over year increase in the table at +19.5%, closely followed by Farmers Bank at +19.4%. First Federal Savings Bank of Twin Falls increased +14.3%, Idaho Trust Bank increased +12.7%, and bankcda increased +8.9%. Growth shows which institutions added reported CRE balances over the measurement period, but it does not identify the properties financed or indicate future lending volume. Two banks reported contractions: Northwest Bank at -4.6% and Ireland Bank at -13.5%.
What were the benchmark interest rates when this ranking was published?
As of Oct 26, 2026, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96%, and Fed funds was 3.88%. These benchmarks provide market context for borrowers comparing lender proposals, but they are not quoted loan rates from the ranked banks. A commercial mortgage proposal can reflect a benchmark, a lender spread and other transaction terms. The ranking itself is based on FDIC loan balances as of June 30, 2026, so the balance sheet date and benchmark rate date are different.
How do the Idaho lenders compare nationally by total CRE loans?
The Bank of Commerce holds national rank 461, immediately ahead of D. L. Evans Bank at national rank 462. Northwest Bank is national rank 693, First Federal Savings Bank of Twin Falls is national rank 840, and Idaho First Bank is national rank 952. These positions compare total CRE balances across 4,167 banks reporting $3.07 trillion in aggregate CRE loans. National rank describes institutional CRE size and does not show how much lending occurred within Idaho. It should be read alongside headquarters, branch presence, loan mix and direct lender discussions.
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BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.