Ireland Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 16.42 percentage points in Q2 2026, from 60.56% to 44.14%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Ireland Bank is 1st from the bottom among 10 Idaho banks, 0.80% (Q2 2026). Ireland Bank reported 0.80% on return on assets for Q2 2026, 0.45 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.07% |
| Tier 1 risk-based capital ratio | 18.07% |
| Total risk-based capital ratio | 19.19% |
| Tier 1 leverage ratio | 11.50% |
| Equity capital to assets | 10.31% |
| Tangible equity to tangible assets | 10.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.87% |
| Non-performing assets ratio | 1.52% |
| Net charge-off ratio | 1.09% |
| Texas ratio | 13.94% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 44.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 7.96% |
| Net interest margin | 4.29% |
| Efficiency ratio | 69.70% |
| Yield on earning assets | 5.02% |
| Cost of funds | 0.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.03% |
| Core deposits to total deposits | 95.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.39% |
| Securities to assets | 38.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.40% | 14.40% | 15.53% | 9.77% | 0.84% |
| Q4 2023 | 14.53% | 14.53% | 15.70% | 9.73% | 0.54% |
| Q1 2024 | 15.95% | 15.95% | 17.20% | 9.79% | 0.61% |
| Q2 2024 | 14.31% | 14.31% | 15.46% | 9.67% | 0.74% |
| Q3 2024 | 15.54% | 15.54% | 16.75% | 9.78% | 0.86% |
| Q4 2024 | 16.48% | 16.48% | 17.71% | 10.21% | 1.19% |
| Q1 2025 | 15.70% | 15.70% | 16.85% | 10.52% | 0.64% |
| Q2 2025 | 17.00% | 17.00% | 18.23% | 10.57% | 0.95% |
| Q3 2025 | 17.09% | 17.09% | 18.34% | 10.62% | 0.66% |
| Q4 2025 | 17.86% | 17.86% | 19.03% | 10.85% | 1.16% |
| Q1 2026 | 18.26% | 18.26% | 19.50% | 11.19% | 0.65% |
| Q2 2026 | 18.07% | 18.07% | 19.19% | 11.50% | 0.80% |
Ireland Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ireland Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)