Applications / Mortgage Analytics / Lenders / Idaho / The Bank of Commerce
Ammon, ID · State non-member bank · FDIC · $2.3 billion assets · 115 loans in 2025
The Bank of Commerce's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
115
loans originated, 2025
158
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Commerce, of Ammon, Idaho, grew faster than most similar banks in 2025 and is gaining share around Idaho Falls.
Its loans rose 28%, to 115, while similar lenders grew 9% and the whole market 10%. That is faster than about three-quarters of them. Similar lenders are state banks outside the Federal Reserve making between half and twice its number of loans. It made 80 loans in 2023, its lowest since 2018.
Its typical loan was $345,000, against $175,000 at similar lenders, higher than more than nine in ten. It also makes loans the typical peer does not: 7.0% were insured by the Federal Housing Administration (FHA) and 1.7% were guaranteed by the Department of Veterans Affairs (VA).
Its share of Idaho Falls rose from 1.1% to 1.7%, and it ranked 15 of 211 lenders. Idaho Central Credit Union led. It also edged up in Pocatello and Missoula.
Low- and moderate-income borrowers took 14.5% of its loans, against 27.9% at similar lenders; that is lower than more than eight in ten of them. Its larger loans and its tilt toward home purchases, 69.6% of the total, may explain some of this.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Bank of Commerce took 158 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.6% · Refinance 30.4%
Conventional 91.3% · FHA 7.0% · VA 1.7% · of 115 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Idaho | 98 | 85.2% |
| Montana | 13 | 11.3% |
| Utah | 2 | 1.7% |
| Wyoming | 2 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Idaho Falls | 48 |
| Pocatello | 9 |
| Boise City | 1 |
| Logan | 1 |
| Missoula | 1 |
| Provo-Orem-Lehi | 1 |
| Salt Lake City-Murray | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZYK1Z0EK2JC967 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 324863 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318059 | 1990–2017 |
Established 1 August 1959. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Bank of Commerce's data.
The Bank of Commerce's data
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The Bank of Commerce and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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