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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 $34.8MQ3 2024Q2 2026
Deposit mix
55%Interest-bearing $172.7M45%Noninterest $141.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.86%0.64%0.80%0.75%0.85%0.65%0.72%-7 bps
Return on Equity10.41%11.75%7.75%9.48%8.73%9.71%6.68%7.31%-216 bps
Net Interest Margin3.57%3.62%3.60%3.70%3.64%3.76%4.00%4.09%+39 bps
Efficiency Ratio74.94%72.92%78.05%73.81%74.37%72.51%75.43%72.64%-116 bps
Non-Interest Burden2.55%2.50%2.71%2.60%2.58%2.59%2.89%2.82%+22 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 / Loans0.01%0.06%0.04%0.07%2.38%2.29%2.31%2.84%+277 bps
Net Charge-Offs / Loans0.02%0.02%0.07%0.01%0.01%0.22%0.10%0.58%+57 bps
Allowance / Loans1.32%1.41%1.39%1.36%1.41%1.33%1.42%1.27%-9 bps
Allowance Coverage of NPLs104.0x23.2x35.0x19.0x0.6x0.6x0.6x0.4x-18.6x
Capital
Tier 1 Leverage Ratio9.78%10.21%10.52%10.57%10.62%10.85%11.19%11.50%+93 bps
Total Risk-Based Capital16.75%17.71%16.85%18.23%18.34%19.03%19.50%19.19%+96 bps
Equity / Assets7.74%8.01%8.49%8.78%9.01%9.54%9.88%10.31%+154 bps
Liquidity & Funding
Loans / Deposits62.68%58.99%59.78%60.89%58.48%57.38%58.09%60.03%-85 bps
Liquid Assets / Assets26.12%26.13%26.42%24.74%25.08%25.44%23.53%21.10%-365 bps
CRE / Total Capitaln/an/an/an/a139.42%132.53%129.24%n/an/a