Coeur d’Alene Bancorp posts modest profit growth, expands local branches

Coeur d’Alene Bancorp, the parent of bankcda, reported unaudited net income of $559,083 for the fourth quarter and $1,583,847 for the full year 2025, an increase of 7.4% from $1,475,207 in 2024. Earnings per share rose to $0.83 for the year and $0.29 for the quarter. Management highlighted a year-to-date net interest margin of about 4.01%, which helped underpin the gain in profitability.

The bank’s balance sheet shows total assets of roughly $242.7 million, gross loans near $135.0 million, and total deposits of about $208.7 million, a 6.8% increase year over year. Those deposit gains strengthened liquidity and provided capacity for local lending even as non-interest expenses increased. Management attributed higher operating costs primarily to two new branch openings and said the bank maintains a strong allowance for loan losses.

As a locally headquartered institution, bankcda’s growth matters to Kootenai County residents because it affects credit availability for homebuyers and small businesses as well as deposit safety and community banking services. A bank with $135 million in gross loans and rising deposits is in a position to extend mortgage and commercial lines in the region, while the maintained allowance for loan losses signals conservative credit provisioning at a time when development and household finances remain mixed across Northern Idaho.

The company also announced plans to relocate a branch in Richland, Washington, part of a modest regional footprint adjustment that reflects continued emphasis on in-person banking services even as digital channels grow. Non-interest expenses tied to branch openings are likely to weigh on near-term efficiency ratios, but the bank’s five-star Bauer Financial rating cited in the filing signals strong capital and liquidity by common community-bank measures.

For local markets, the combination of a roughly 4.01% net interest margin and a 6.8% deposit increase suggests the bank is capturing spread income while funding loan growth with stable retail deposits. That profile contrasts with larger institutions that have faced volatility in wholesale funding; community banks that build deposits and manage credit reserves can offer steadier local credit flows.

What comes next for Kootenai County customers will hinge on the bank’s ability to translate branch investments into sustainable fee and loan income, keep expenses in check, and preserve reserves against any local economic softness. Residents and small businesses should watch upcoming quarterly reports for trends in loan growth, net interest margin, and expense control to gauge how those branch moves and deposit gains affect lending and service in the community.