Ireland Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ireland Bank of Malad City, ID against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.80% | 1.35% | -0.55% | 23rd bottom |
| ROAE | 7.96% | 12.06% | -4.10% | 25th below |
| Net Interest Margin | 4.29% | 3.90% | +0.39% | 70th above |
| Efficiency Ratio | 69.70% | 63.15% | +6.55% | 29th below |
| PPNR / Avg Assets | 1.40% | 1.64% | -0.24% | 39th below |
| Yield on Earning Assets | 5.02% | 5.65% | -0.63% | 24th bottom |
| Cost of Funds | 0.76% | 1.85% | -1.09% | 96th top |
| Net Interest Spread | 3.62% | 3.35% | +0.27% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.87% | 0.92% | +1.95% | 7th bottom |
| NPA / Total Assets | 1.52% | 0.67% | +0.85% | 12th bottom |
| NCO / Avg Loans | 1.09% | 0.14% | +0.95% | 3rd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 44.14% | 1645.82% | -1601.68% | 9th bottom |
| Texas Ratio | 13.94% | 7.15% | +6.79% | 14th bottom |
| Provision / NCO | 82.88% | 1189.87% | -1106.99% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.07% | 20.83% | -2.76% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.07% | 20.86% | -2.79% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.19% | 21.94% | -2.75% | 69th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.50% | 12.46% | -0.96% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.31% | 11.67% | -1.36% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.26% | 11.40% | -1.14% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.03% | 78.65% | -18.62% | 83rd top |
| Core Deposit Ratio | 95.92% | 87.09% | +8.83% | 88th top |
| Wholesale Funding Ratio | 0.09% | 5.12% | -5.03% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.99% | 6.48% | -10.47% | 6th bottom |
| Loan Growth (Y/Y) | -4.48% | 7.64% | -12.12% | 8th bottom |
| Deposit Growth (Y/Y) | -3.12% | 6.03% | -9.15% | 10th bottom |
See Ireland Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ireland Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ireland Bank profile, how to read a UBPR, or how this data updates.