Ireland Bank
Malad City, ID · Cert 1237 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 78% of banks under $1B in assets operating in a single state (rank 163 of 746).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets operating in a single state (rank 707 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.74%
Rank 550 of 746
Net Interest Margin
4.09%
Rank 211 of 746
Efficiency Ratio
72.64%
Rank 519 of 746
Equity / Assets
10.31%
Rank 390 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.72% | 1.06% | 1.45% | Beats 26% | 550 / 746 | | |
| Return on Equity | 7.17% | 6.74% | 10.51% | 13.63% | Beats 28% | 534 / 746 | | |
| Net Interest Margin | 4.09% | 3.17% | 3.68% | 4.16% | Beats 72% | 211 / 746 | | |
| Efficiency Ratio | 72.64% | 55.74% | 64.58% | 75.47% | Beats 31% | 519 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.84% | 0.09% | 0.42% | 1.07% | Beats 6% | 697 / 743 | | |
| Net Charge-Offs / Loans | 0.32% | 0.00% | 0.01% | 0.05% | Beats 5% | 707 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.07% | 11.55% | 13.75% | 17.60% | Beats 77% | 170 / 746 | | |
| Total Risk-Based Capital Ratio | 19.19% | 11.71% | 14.33% | 18.43% | Beats 78% | 163 / 746 | | |
| Equity / Assets | 10.31% | 8.90% | 10.51% | 13.06% | Beats 48% | 390 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.03% | 61.31% | 78.27% | 90.78% | 23rd pctl | 578 / 746 | | |
| Loans / Assets | 53.06% | 53.60% | 66.97% | 76.08% | 24th pctl | 569 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |