Malad City, ID · Cert 1237 · Ireland Bcorp Ltd.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Pocatello, ID · 2026 SOD (annual) · 5.4% share · #7 of 9 inst. · $0.1B of $1.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.20% | 0.64% | 0.96% | 0.66% | 1.15% | 0.65% | 0.80% | -16 bps | |
| Return on Equity | 11.66% | 15.25% | 7.75% | 11.12% | 7.37% | 12.37% | 6.68% | 7.96% | -316 bps | |
| Net Interest Margin | 3.71% | 3.70% | 3.60% | 3.85% | 3.57% | 4.08% | 4.00% | 4.12% | +27 bps | |
| Efficiency Ratio | 71.65% | 67.05% | 78.05% | 69.92% | 75.52% | 67.45% | 75.43% | 69.91% | -1 bps | |
| Non-Interest Burden | 2.51% | 2.31% | 2.71% | 2.53% | 2.56% | 2.59% | 2.89% | 2.71% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.31% | 0.47% | -1.25% | -0.41% | 1.35% | 0.59% | -1.06% | -3.99% | -357 bps | |
| Loan Growth (YoY) | -6.10% | -9.68% | -3.35% | -3.07% | -5.36% | -2.47% | -4.13% | -4.48% | -142 bps | |
| Deposit Growth (YoY) | 5.00% | 2.59% | 0.35% | 1.38% | 1.45% | 0.26% | -1.33% | -3.12% | -450 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.06% | 0.04% | 0.07% | 2.38% | 2.29% | 2.31% | 2.84% | +277 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.07% | -0.05% | 0.02% | 0.85% | 0.10% | 1.07% | +112 bps | |
| Allowance / Loans | 1.32% | 1.41% | 1.39% | 1.36% | 1.41% | 1.33% | 1.42% | 1.27% | -9 bps | |
| Allowance Coverage of NPLs | 104.0x | 23.2x | 35.0x | 19.0x | 0.6x | 0.6x | 0.6x | 0.4x | -18.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 10.21% | 10.52% | 10.57% | 10.62% | 10.85% | 11.19% | 11.50% | +93 bps | |
| Total Risk-Based Capital | 16.75% | 17.71% | 16.85% | 18.23% | 18.34% | 19.03% | 19.50% | 19.19% | +96 bps | |
| Equity / Assets | 7.74% | 8.01% | 8.49% | 8.78% | 9.01% | 9.54% | 9.88% | 10.31% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.68% | 58.99% | 59.78% | 60.89% | 58.48% | 57.38% | 58.09% | 60.03% | -85 bps | |
| Liquid Assets / Assets | 26.12% | 26.13% | 26.42% | 24.74% | 25.08% | 25.44% | 23.53% | 21.10% | -365 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 139.42% | 132.53% | 129.24% | n/a | n/a | |