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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

4.79%Q2 ’244.85%Q2 ’254.82%Q2 ’26+7%+7%

Non-interest income vs. expense

3.05%Q2 ’243.05%Q2 ’253.26%Q2 ’260%+7%

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 0.80%, down 16 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 2.84% of loans (+277 bps YoY), with net charge-offs at 1.07%.
  • 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 (quarter, annualized)

0.80%-16 bps YoY

Net Interest Margin (quarter, annualized)

4.12%+27 bps YoY

Efficiency Ratio (quarter, annualized)

69.91%-1 bps YoY

Tier 1 Leverage Ratio

11.50%+93 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.66%1.15%0.65%0.80%-16 bps
Return on Equity11.12%7.37%12.37%6.68%7.96%-316 bps
Net Interest Margin3.85%3.57%4.08%4.00%4.12%+27 bps
Efficiency Ratio69.92%75.52%67.45%75.43%69.91%-1 bps
Non-Interest Burden2.53%2.56%2.59%2.89%2.71%+18 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 / Loans-0.05%0.02%0.85%0.10%1.07%+112 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