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Ireland Bank
Malad City, ID · FDIC Certificate #1237 · Chartered 12/0
Total assets
$355.37M
Total deposits
$314.11M
Total equity
$36.76M
Net loans
$186.18M
Branches (offices)
12
Net income (YTD)
$1.42M
Rank: #2,228 of 4,213 U.S. banks by assets · #7 of 10 in Idaho. Assets changed -4.0% and deposits -3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.79% |
| Return on equity | 7.92% |
| Net interest margin (YTD) | 4.24% |
| Equity to assets | 10.34% |
| Tier 1 leverage ratio | 11.54% |
| Uninsured deposits (share of deposits) | 19.8% |
| Noncurrent loans (share of loans) | 2.84% |
| Net charge-offs (share of loans) | 0.59% |
| Loans to deposits | 59.3% |
| Real estate loans (share of loans) | 45.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $84.17M | 45.2% | |
| Commercial & industrial | $47.38M | 25.5% | |
| Consumer / individual | $34.64M | 18.6% | |
| Construction & development | $5.76M | 3.1% | |
| Agricultural | $21.48M | 11.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $345.91M | $317.56M | $937.00K | $24.02M |
| Jun 2023 | $366.68M | $314.71M | $1.62M | $21.88M |
| Jun 2024 | $371.67M | $319.84M | $1.25M | $26.82M |
| Jun 2025 | $370.13M | $324.24M | $1.47M | $32.49M |
| Jun 2026 | $355.37M | $314.11M | $1.42M | $36.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Idaho | $314.11M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $314.11M.
Similar-sized banks
Osb Community Bank ($355.62M) · Great Southern Bank ($355.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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