IRELAND BANK

MALAD CITY, ID | Small | Est. Dec. 1, 1892, midnight | FDIC #1237 | RSSD #428462 | FDIC
Latest Report: 2025-12-31

IRELAND BANK is asn small FDIC-insured commercial bank headquartered in MALAD CITY, ID, established in Dec. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $371M and total deposits of $325M. Profitability stands at 1.15% ROA and 12.37% ROE, with a net interest margin of 4.38%. The bank's CET1 capital ratio is 17.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.29% and a Texas Ratio of 11.28%. FDIC Certificate #1237.

Assets

$371M

Deposits

$325M

Loans

$187M

Equity

$35M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 12.37%
Net Interest Margin (NIM) 4.38%
Yield on Assets 5.26%
Cost of Funds 0.90%

Asset Quality

NPL Ratio 2.29%
Net Charge-Off Ratio 0.22%
Texas Ratio 11.28%
NPA Ratio 1.15%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 17.86%
Tier 1 Capital 17.86%
Total Capital Ratio 19.03%
Leverage Ratio 10.85%
Loan-to-Deposit 57.38%

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