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
Unfavorable gap of $10.1M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.72% | 1.06% | 1.45% | Beats 26% | 556 / 755 | |
| Return on Equity | 7.17% | 6.66% | 10.44% | 13.61% | Beats 29% | 536 / 755 | |
| Net Interest Margin | 4.09% | 3.15% | 3.68% | 4.17% | Beats 72% | 215 / 755 | |
| Efficiency Ratio | 72.64% | 55.75% | 64.78% | 75.61% | Beats 31% | 523 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.84% | 0.09% | 0.42% | 1.05% | Beats 6% | 706 / 751 | |
| Net Charge-Offs / Loans | 0.32% | 0.00% | 0.01% | 0.05% | Beats 5% | 713 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 18.07% | 11.56% | 13.81% | 17.74% | Beats 76% | 179 / 755 | |
| Total Risk-Based Capital Ratio | 19.19% | 11.72% | 14.46% | 18.53% | Beats 77% | 170 / 755 | |
| Equity / Assets | 10.31% | 8.93% | 10.56% | 13.13% | Beats 46% | 409 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 60.03% | 62.43% | 78.62% | 91.00% | 21st pctl | 596 / 755 | |
| Loans / Assets | 53.06% | 54.70% | 67.27% | 76.55% | 22nd pctl | 586 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |