Ireland Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 94.7% lower than in Q1 2026, at $306K. On loan-to-deposit ratio, Ireland Bank is 2nd from the bottom among 10 Idaho banks, 60.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Ireland Bank sits 20.80 points lower, at 60.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $153.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $306K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.03% |
| Net loans and leases to deposits | 59.27% |
| Loans and leases to core deposits | 62.59% |
| Core deposits to total deposits | 95.92% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 70.09% | 95.64% | $0 | $26.1M |
| Q4 2023 | 67.01% | 94.95% | $0 | $22.2M |
| Q1 2024 | 62.07% | 94.40% | $0 | $21.2M |
| Q2 2024 | 63.68% | 94.47% | $0 | $20.1M |
| Q3 2024 | 62.68% | 94.59% | $0 | $12.0M |
| Q4 2024 | 58.99% | 94.29% | $0 | $11.0M |
| Q1 2025 | 59.78% | 93.26% | $0 | $9.9M |
| Q2 2025 | 60.89% | 94.01% | $0 | $8.8M |
| Q3 2025 | 58.48% | 95.12% | $0 | $7.8M |
| Q4 2025 | 57.38% | 95.38% | $0 | $6.7M |
| Q1 2026 | 58.09% | 95.26% | $0 | $5.7M |
| Q2 2026 | 60.03% | 95.92% | $0 | $306K |
Ireland Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ireland Bank, freeSource: Call Report Schedules RC and RC-M, 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)