Ireland Bank
Malad City, Idaho, Oneida County
$355M in total assets, the 2,264th largest of 4,309 US banks and 7th of 10 headquartered in Idaho.
- FDIC certificate
- 1237
- Established
- 1892
- Owned by
- Ireland Bcorp Ltd
- Primary regulator
- FDIC
- Website
- www.ireland-bank.bank
At a glance
Compared with 2660 US banks with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $355M | 55% | $324M | |
| Loans | $189M | 45% | $210M | |
| Deposits | $314M | 58% | $275M | |
| Return on assets | 0.85% | 26% | 1.21% | |
| Net interest margin | 4.24% | 67% | 3.93% | |
| Efficiency ratio | 72.5% | 75% | 62.4% | |
| Equity to assets | 10.34% | 49% | 10.39% | |
| Loans to deposits | 60% | 16% | 81% |
Growth
Total assets grew 1.1% a year over the last 5 years and 5.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 1986 | Downey State Bank Downey, ID | $17M |
Where they operate
12 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Oneida County, ID | $74M | 100.0% | 1 of 1 |
| Bannock County, ID | $59M | 5.4% | 7 of 9 |
| Caribou County, ID | $45M | 32.7% | 2 of 2 |
| Franklin County, ID | $35M | 14.9% | 3 of 3 |
| Bingham County, ID | $30M | 4.3% | 6 of 7 |
| Bear Lake County, ID | $27M | 22.1% | 2 of 2 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (13 to 12, −7.7%). 1 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Opened Twin Falls | 1 | 0 | +1 | 14 |
| 2023 | Closed Downey and Pocatello | 0 | 2 | −2 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 25% | 11% | |
| Commercial real estate | 19% | 25% | |
| Consumer | 18% | 4% | |
| Farmland | 12% | 9% | |
| Agricultural | 11% | 6% | |
| Multifamily | 5% | 4% | |
| 1-4 family residential | 4% | 32% | |
| Construction and land | 3% | 7% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 45% | 22% | |
| Other interest-bearing | 35% | 45% | |
| Time deposits | 20% | 33% |
Brokered deposits are 0.0% of deposits (peers 3.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.84% | 0.40% |
| Net charge-offs, annualized | 0.59% | 0.01% |
| Reserves to loans | 1.27% | 1.19% |
| Leverage ratio | 11.54% | 10.99% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Idaho
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/ireland