Ireland Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Farm: 2.28 percentage points higher than in Q1 2026, at 12.21%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $188.6M |
| Net loans and leases | $186.2M |
| Loans held for sale | $0 |
| Loans to total assets | 53.06% |
| Loan-to-deposit ratio | 60.03% |
| Net loans to equity capital | 5.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.43% |
| Multifamily (5+ residential) | 5.49% |
| Commercial and industrial | 25.13% |
| Consumer | 18.37% |
| Credit cards | 0.00% |
| Farm | 12.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.87% |
| Construction concentration (Tier 1 capital + allowance) | 13.22% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.86% |
| Interest income on loans | $3.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $218.8M | $312.2M | 20.68% | 17.87% | 13.30% |
| Q4 2023 | $211.8M | $316.0M | 20.12% | 17.38% | 13.67% |
| Q1 2024 | $198.2M | $319.3M | 20.19% | 17.42% | 14.63% |
| Q2 2024 | $203.7M | $319.8M | 18.12% | 19.51% | 14.88% |
| Q3 2024 | $205.5M | $327.9M | 17.84% | 19.49% | 16.11% |
| Q4 2024 | $191.3M | $324.2M | 19.20% | 19.81% | 18.32% |
| Q1 2025 | $191.6M | $320.4M | 19.05% | 20.21% | 18.32% |
| Q2 2025 | $197.4M | $324.2M | 17.68% | 21.35% | 17.49% |
| Q3 2025 | $194.5M | $332.6M | 17.34% | 21.78% | 17.43% |
| Q4 2025 | $186.6M | $325.1M | 21.03% | 23.69% | 18.57% |
| Q1 2026 | $183.7M | $316.2M | 20.30% | 24.04% | 18.92% |
| Q2 2026 | $188.6M | $314.1M | 19.43% | 25.13% | 18.37% |
Ireland Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ireland Bank, freeSource: Call Report Schedule RC-C, 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)