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Ireland Bank

Malad City, ID
IDRSSD: 428462
Total Assets
$379.22M
Latest filing
Total Deposits
$332.62M
Latest filing
Net Interest Margin
3.74%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date12/01/1892
Community BankYes
Ownership TypeNot Mutual
ZIP83252
State and County Number16071
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number12
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictSan Francisco
Core Based Statistical Area NameN/A

Operational Info

Number of Employees88
Domestic Offices12
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.ireland-bank.bank
Data Updated11/14/2025
CERT1237
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$379.22M
Total Deposits$332.62M
Total Liabilities$345.05M
Total Equity Capital$34.17M
Net Income$614.00k
Net Loans and Leases$191.75M
Assets Per Employee ($Millions)$4.31M
Bank Premises and Fixed Assets$4.43M
Cash and Balances due from Depository Institutions$26.25M
Deposits Held in Domestic Offices$332.62M

Key Performance Ratios

Return on Assets (ROA)0.66%
Return on Equity (ROE)7.37%
Net Interest Margin3.74%
Efficiency Ratio75.52%
Tier 1 Risk-Based Capital Ratio17.095%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.07%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.011%
Earning Assets to total Assets95.05%

Income and Expense

Total Interest Income$4.16M
Total Noninterest Income$489.00k
Total Interest Expense$835.00k
Total Noninterest Expense$2.88M
Net Interest Income$3.33M
Pre-tax Net Operating Income$864.00k
Provision for Credit Losses$70.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$7.77M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$4.67M
Total Liabilities and Capital$379.22M

Securities

Securities$144.83M
Available-for-sale debt securities$73.49M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$71.21M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Ireland Bank?
$379.22M as of the latest filing.
How much are Ireland Bank's total deposits?
$332.62M in total deposits.
Where is Ireland Bank located?
Malad City, ID.
What is the Net Interest Margin?
3.74%.
How many domestic offices does it operate?
12.
When was it established?
12/01/1892.
What is the Return on Assets (ROA)?
0.66%.
How much are total loans and leases?
$191.75M (latest filing).
What is the total interest income (latest filing)?
$4.16M.