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Ireland Bank

Malad City, ID · Cert 1237 · Ireland Bcorp Ltd.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ireland Bank

Malad City, ID · Cert 1237 · Ireland Bcorp Ltd.

State charter, non-member · FDIC · 12 branches

Q2 2026

$355.4MAssets
$188.6MLoans
$314.1MDeposits
$36.7MEquity
Loan mix
50%RE $79.7M28%C&I $44.1M22%Consumer $34.8MQ2 2025Q2 2026
Deposit mix
55%Interest-bearing $172.7M45%Noninterest $141.4MQ2 2025Q2 2026

NIM

4.72%Q2 ’244.73%Q2 ’254.83%Q2 ’26+4%+10%

Non-interest income vs. expense

3.08%Q2 ’243.08%Q2 ’253.35%Q2 ’26+0%+8%

Market Position · Pocatello, ID · 2026 SOD (annual) · 5.4% share · #7 of 9 inst. · $0.1B of $1.1B

100.0% Oneida
5.4% Bannock
32.7% Caribou
14.9% Franklin

Executive Summary

  • Earnings: ROA of 0.72%, down 7 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 2.84% of loans (+277 bps YoY), with net charge-offs at 0.58%.
  • Capital: tier 1 leverage ratio of 11.50%, up 93 bps from a year ago.
  • Funding: loans stand at 60.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+39 bps YoY

Efficiency Ratio (YTD, annualized)

72.64%-116 bps YoY

Tier 1 Leverage Ratio

11.50%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.75%0.85%0.65%0.72%-7 bps
Return on Equity9.48%8.73%9.71%6.68%7.31%-216 bps
Net Interest Margin3.70%3.64%3.76%4.00%4.09%+39 bps
Efficiency Ratio73.81%74.37%72.51%75.43%72.64%-116 bps
Non-Interest Burden2.60%2.58%2.59%2.89%2.82%+22 bps
Growth
Asset Growth (YoY)-0.41%1.35%0.59%-1.06%-3.99%-357 bps
Loan Growth (YoY)-3.07%-5.36%-2.47%-4.13%-4.48%-142 bps
Deposit Growth (YoY)1.38%1.45%0.26%-1.33%-3.12%-450 bps
Asset Quality
Nonperforming Loans / Loans0.07%2.38%2.29%2.31%2.84%+277 bps
Net Charge-Offs / Loans0.01%0.01%0.22%0.10%0.58%+57 bps
Allowance / Loans1.36%1.41%1.33%1.42%1.27%-9 bps
Allowance Coverage of NPLs19.0x0.6x0.6x0.6x0.4x-18.6x
Capital
Tier 1 Leverage Ratio10.57%10.62%10.85%11.19%11.50%+93 bps
Total Risk-Based Capital18.23%18.34%19.03%19.50%19.19%+96 bps
Equity / Assets8.78%9.01%9.54%9.88%10.31%+154 bps
Liquidity & Funding
Loans / Deposits60.89%58.48%57.38%58.09%60.03%-85 bps
Liquid Assets / Assets24.74%25.08%25.44%23.53%21.10%-365 bps
CRE / Total Capitaln/a139.42%132.53%129.24%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ireland Bank

Malad City, ID · Cert 1237 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Ireland Bcorp Ltd.

State charter, non-member · FDIC · 12 branches

Q2 2026

$355.4MAssets
$188.6MLoans
$314.1MDeposits
$36.7MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 77% of banks under $1B in assets operating in a single state (rank 170 of 755).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets operating in a single state (rank 713 of 751).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.74%

Rank 556 of 755

Net Interest Margin

4.09%

Rank 215 of 755

Efficiency Ratio

72.64%

Rank 523 of 755

Equity / Assets

10.31%

Rank 409 of 755

Non-interest income vs. expense

$1.9M$12.0MINCOMEEXPENSE
Unfavorable gap of $10.1M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state
Bank 72.64%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.72%1.06%1.45%Beats 26%556 / 755
Return on Equity7.17%6.66%10.44%13.61%Beats 29%536 / 755
Net Interest Margin4.09%3.15%3.68%4.17%Beats 72%215 / 755
Efficiency Ratio72.64%55.75%64.78%75.61%Beats 31%523 / 755
Asset Quality
Nonperforming Loans / Loans2.84%0.09%0.42%1.05%Beats 6%706 / 751
Net Charge-Offs / Loans0.32%0.00%0.01%0.05%Beats 5%713 / 751
Capital
Tier 1 Capital Ratio18.07%11.56%13.81%17.74%Beats 76%179 / 755
Total Risk-Based Capital Ratio19.19%11.72%14.46%18.53%Beats 77%170 / 755
Equity / Assets10.31%8.93%10.56%13.13%Beats 46%409 / 755
Liquidity & Funding
Loans / Deposits60.03%62.43%78.62%91.00%21st pctl596 / 755
Loans / Assets53.06%54.70%67.27%76.55%22nd pctl586 / 755
Brokered Deposits / Depositsn/aNot reported for this institution