Ireland Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 1.57 percentage points lower than in Q1 2026, at 1.40%. Ireland Bank ranks 6th of 10 Idaho banks on net interest margin, in the lower half at 4.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Ireland Bank sits 0.34 points higher, at 4.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.76% |
| Cost of interest-bearing deposits | 1.37% |
| Cost of interest-bearing liabilities | 1.40% |
| Cost of borrowings | 1.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $630K |
| Interest expense on deposits | $607K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.84% | 0.98% | 3.82% |
| Q4 2023 | 4.93% | 1.09% | 3.80% |
| Q1 2024 | 4.83% | 1.14% | 3.62% |
| Q2 2024 | 4.96% | 1.18% | 3.71% |
| Q3 2024 | 5.07% | 1.16% | 3.84% |
| Q4 2024 | 5.00% | 1.15% | 3.85% |
| Q1 2025 | 4.83% | 1.14% | 3.73% |
| Q2 2025 | 5.07% | 1.15% | 4.02% |
| Q3 2025 | 4.60% | 1.04% | 3.68% |
| Q4 2025 | 5.10% | 0.88% | 4.26% |
| Q1 2026 | 4.98% | 0.83% | 4.17% |
| Q2 2026 | 5.02% | 0.76% | 4.29% |
Ireland Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ireland Bank, freeSource: Call Report Schedules RI and RC-K, 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)