Ireland Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 2.35 percentage points in Q2 2026, from 42.68% to 45.03%. It was the largest change from Q1 2026 among the key lines here. Within Idaho, Ireland Bank is 7th of 10 on total deposits, $314.1M as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is $277.3M on total deposits. Ireland Bank sits 13% higher, at $314.1M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $314.1M |
| Domestic office deposits | $314.1M |
| Foreign office deposits | — |
| Deposits to total assets | 88.39% |
| Deposits to total liabilities | 98.55% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $141.4M |
| Savings deposits | $54.2M |
| Transaction accounts to domestic deposits | 52.59% |
| Time deposits | $20K |
| Time deposits under $100k | $29.3M |
| Time deposits $100k to $250k | $21.6M |
| Time deposits over $250k | $12.8M |
| Noninterest-bearing share of deposits | 45.03% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $301.3M |
| Core deposits to total deposits | 95.92% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.37% |
| Interest expense on deposits | $607K |
| Loans and leases to core deposits | 62.59% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $312.2M | 95.64% | 0.00% | 1.37% |
| Q4 2023 | $316.0M | 94.95% | 0.00% | 1.77% |
| Q1 2024 | $319.3M | 94.40% | 0.00% | 2.16% |
| Q2 2024 | $319.8M | 94.47% | 0.00% | 2.23% |
| Q3 2024 | $327.9M | 94.59% | 0.00% | 2.28% |
| Q4 2024 | $324.2M | 94.29% | 0.15% | 2.11% |
| Q1 2025 | $320.4M | 93.26% | 0.15% | 1.84% |
| Q2 2025 | $324.2M | 94.01% | 0.15% | 1.61% |
| Q3 2025 | $332.6M | 95.12% | 0.15% | 1.46% |
| Q4 2025 | $325.1M | 95.38% | 0.15% | 1.47% |
| Q1 2026 | $316.2M | 95.26% | 0.16% | 1.41% |
| Q2 2026 | $314.1M | 95.92% | 0.00% | 1.37% |
Ireland Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Ireland Bank, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ireland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1237) · FFIEC NIC profile (RSSD 428462)