A photothermographic image-recording material with improved storability before image formation and improved coating characteristics, which has a support having provided thereon an image-forming layer, the layer having at least one light-insensitive organic silver salt, a reducing agent for silver ion and a binder, wherein the binder has a polymer having a recurring unit represented by the formula (1), and the content of the recurring unit represented by the formula (1) in the polymer is from 0.1 to 50% by weight.