Ireland Bank
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Data as of · sourced from FFIEC call reports. How we update
Ireland Bank is an FDIC-insured commercial bank headquartered in Malad City, ID, established in 1892 (FDIC certificate 1237), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $355.4M, down 4.0% from Q2 2025, the 7th largest of 10 banks headquartered in Idaho. Its CET1 capital ratio was 18.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1237
- Headquarters
- Malad City, ID
- Established
- 1892
- Total assets, Q2 2026
- $355.4M
- Assets vs Q2 2025
- -4.0%
- CET1 ratio, Q2 2026
- 18.07%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 124100857
- Latest call report
- Q2 2026, FFIEC 051 · Ireland Bank call report
- Holding company
- IRELAND BANCORP, LTD.
- Asset rank in state
- 7th of 10 in Idaho
Problem loans are rising at Ireland Bank. Based in Malad City, Idaho, it had $355 million in assets at June 30, 2026, down 4.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.84% of loans from 0.07% a year earlier. It pays an average of 0.76% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.5% over the year, lower than about 9 in 10 banks its size (median 5.5%).
The commercial and industrial book ($47 million) is worsening: 4.27% of it is past due or on nonaccrual, up from 2.85% a year earlier. Net income for the quarter slipped 18% from a year earlier, to $720,000. Credit is the area to watch: it carries problem assets equal to 13.8% of the capital and reserves that would absorb them, 5.2 times the median of 2.6% for banks its size.
As of June 30, 2026, Ireland Bank reported a CET1 capital ratio of 18.07%, a return on assets of 0.80%, a nonperforming-loan ratio of 2.84% and a Texas ratio of 13.80%. The figures come from its call report filed with the FFIEC.
Of the 10 banks headquartered in Idaho, Ireland Bank is the 7th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $355.4M, loans rose 2.7% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 25.1% of total loans, ahead of auto loans at 17.8%. Its 12 offices in the FDIC Summary of Deposits are in 12 cities in ID; its Malad City office books 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Ireland Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 33 Bannock St, Malad City, ID 83252
- County
- Oneida
- Metro Area
- Brigham City, UT-ID
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 1, 1892
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $314.1M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $549K
- Average total assets
- $358.2M
- Average total loans
- $184.6M
- Average interest-bearing deposits
- $186.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1237
- Fed RSSD
- 428462
- SEC CIK
- 1156086 → filed by IRELAND BANCORP, LTD.
- Website
- www.ireland-bank.bank →
- Parent Holding Company
- IRELAND BANCORP, LTD. (RSSD 1248845)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Ireland Bank's total assets moved between a low of $355.4M (Q2 2026) and a high of $379.2M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$355.4M total assets against $370.1M; $318.7M total liabilities against $337.6M.
$186.2M net loans and leases against $194.7M; $314.1M total deposits against $324.2M.
$135.3M securities against $138.8M; $18.1M cash and balances due against $19.9M.
$4.3M total interest income against $4.5M; $630K total interest expense against $932K.
$3.7M net interest income against $3.6M.
$491K total noninterest income against $483K; $2.9M total noninterest expense against $2.8M.
$295K provision for credit losses against $0.
$720K net income against $883K.
0.80% return on assets against 0.95%; 4.29% net interest margin against 4.02%.
18.07% CET1 capital ratio against 17.00%; 11.50% tier 1 leverage ratio against 10.57%.
Inside the full Ireland Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIreland Bank rankings
Its closest position to the top of a national ranking is 365 of 3,640, for Texas Ratio; its furthest is 2,886 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q1 2025) to 1.19% (Q4 2024) and its net interest margin ran from 3.68% (Q3 2025) to 4.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.07% | 0.80% | 2.84% | 13.80% | 4.29% |
| Q1 2026 | 18.26% | 0.65% | 2.31% | 11.12% | 4.17% |
| Q4 2025 | 17.86% | 1.16% | 2.29% | 11.34% | 4.26% |
| Q3 2025 | 17.09% | 0.66% | 2.38% | 12.60% | 3.68% |
| Q2 2025 | 17.00% | 0.95% | 0.07% | 0.40% | 4.02% |
| Q1 2025 | 15.70% | 0.64% | 0.04% | 0.23% | 3.73% |
| Q4 2024 | 16.48% | 1.19% | 0.06% | 0.36% | 3.85% |
| Q3 2024 | 15.54% | 0.86% | 0.01% | 0.08% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ireland Bank (main office) | Malad City , ID | 83252 | $74.3M |
| Preston Branch | Preston , ID | 83263 | $35.2M |
| Pocatello - Yellowstone Branch | Pocatello , ID | 83201 | $31.7M |
| Aberdeen Branch | Aberdeen , ID | 83210 | $29.5M |
| Montpelier Branch | Montpelier , ID | 83254 | $27.4M |
| Soda Springs Branch | Soda Springs , ID | 83276 | $25.5M |
| Mackay Branch | Mackay , ID | 83251 | $24.0M |
| Grace Branch | Grace , ID | 83241 | $19.6M |
| Inkom Branch | Inkom , ID | 83245 | $14.1M |
| Lava Hot Springs Branch | Lava Hot Springs , ID | 83246 | $13.4M |
| Carey Branch | Carey , ID | 83320 | $10.0M |
| Magic Valley Branch | Twin Falls , ID | 83301 | $9.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 8, 1991 | Structure Change | Acquired Security State Bank Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1986 | Structure Change | Acquired Downey State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in ID, rank 19 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $860K approved, $860K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ireland Bank
What are Ireland Bank's total assets?
As of the Q2 2026 filing, Ireland Bank reported total assets of $355.4 million in its FFIEC call report.
Where is Ireland Bank headquartered?
It is headquartered in Malad City, ID, United States.
When was Ireland Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Ireland Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ireland Bank?
Ireland Bank's primary federal regulator is the FDIC.
What is Ireland Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ireland Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ireland Bank's Texas Ratio?
Its Texas Ratio is 13.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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