BanksIRELAND BANK

IRELAND BANK

MALAD CITY, IDSmallEst. Dec. 1, 1892, midnightFDIC #1237RSSD #428462FDIC
Latest · 2025-12-31

IRELAND BANK is an 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%. CET1 capital ratio: 17.86%, well above regulatory minimums. NPL ratio: 2.29% · Texas Ratio: 11.28%. Operates 12 domestic branches.

Assets
$371M
Deposits
$325M
Loans
$187M
Equity
$35M

Profitability

Return on Assets (ROA)1.15%
Return on Equity (ROE)12.37%
Net Interest Margin4.38%
Yield on Assets5.26%
Cost of Funds0.90%

Asset Quality

NPL Ratio2.29%
Net Charge-Off Ratio0.22%
Texas Ratio11.28%
NPA Ratio1.15%
ACL / Loans1.33%

Capital & Liquidity

CET1 Ratio17.86%
Tier 1 Capital17.86%
Total Capital Ratio19.03%
Leverage Ratio10.85%
Loan-to-Deposit57.38%

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