Watch on earnings:Net interest margin (NIM) - quarterly basis point changes and forward guidanceLoan growth by category (CRE, agriculture, C&I) and geographic marketNon-performing assets ratio and provision expense relative to loan growthEfficiency ratio and expense discipline across branch networkTangible book value per share growth and capital deployment priorities
Key metrics:Federal Funds Rate and forward guidance from FOMC meetings - primary driver of net interest margin · 10-year Treasury yield and yield curve slope - impacts loan pricing, securities portfolio valuation, and mortgage banking activity · Western U.S. commercial real estate vacancy rates and cap rates in Boise, Spokane, Salt Lake City markets · Agricultural commodity prices (wheat, cattle, dairy) affecting farm income in Montana and Idaho
⚠ Commercial real estate concentration risk - portfolio exposure to office, retail, and multifamily properties in Boise, Spokane, Missoula, and other Western metros vulnerable to occupancy declines and valuation corrections
Metric
Dec 21
Dec 22
Dec 23
Dec 24
Dec 25
Cash & Equivalents
438
402↓8.2%
1,354↑236.9%
848↓37.4%
322↓62.1%
Total Current Assets
9,685
5,793↓40.2%
6,235↑7.6%
4,654↓25.4%
25,122↑439.8%
Total Assets
25,941
26,635↑2.7%
27,743↑4.2%
27,903↑0.6%
31,978↑14.6%
Total Current Liabilities
22,360
21,557↓3.6%
21,542↓0.1%
22,358↑3.8%
82↓99.6%
Total Liabilities
22,763
23,792↑4.5%
24,722↑3.9%
24,679↓0.2%
27,764↑12.5%
Total Equity
3,178
2,843↓10.5%
3,020↑6.2%
3,224↑6.7%
4,214↑30.7%
Total Debt
1,198
2,956↑146.8%
4,441↑50.3%
3,794↓14.6%
2,898↓23.6%
Net Debt
760
2,554↑236.1%
3,087↑20.9%
2,946↓4.6%
2,576↓12.5%
Cash Flow Statement
Metric
Dec 21
Dec 22
Dec 23
Dec 24
Dec 25
Operating Cash Flow
572
471↓17.7%
501↑6.4%
258↓48.5%
374↑45.1%
Capital Expenditure
-9
-34↓257.8%
-50↓46.7%
-48↑2.5%
-27↑44.4%
Free Cash Flow
563
437↓22.3%
451↑3.3%
210↓53.5%
348↑65.7%
Stock-Based Comp
4
5↑23.4%
6↑10.5%
6↓4.0%
6↑11.4%
Net Change in Cash
-195
-36↑81.7%
952↑2768.3%
-506↓153.1%
387↑176.5%
Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down