Ireland Bank
Malad City, ID
IDRSSD: 428462
Total Assets
$371.20M
Latest filing
Total Deposits
$325.10M
Latest filing
Net Interest Margin
4.24%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
124100857MALAD CITY, ID
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Ireland Bank
33 Bannock St
Malad City, ID 83252
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/01/1892FDIC Certificate 847
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Ireland Bank (Main) | 33 Bannock St | Malad City, ID |
| PRESTON BRANCH | 85 E Oneida St | Preston, ID |
| MONTPELIER BRANCH | 420 N 4th St | Montpelier, ID |
| INKOM BRANCH | Main Street And Highway 30 | Inkom, ID |
| SODA SPRINGS BRANCH | 98 W 2nd S | Soda Springs, ID |
| GRACE BRANCH | 1 N Main St | Grace, ID |
| LAVA HOT SPRINGS BRANCH | 110 E Main | Lava Hot Springs, ID |
| POCATELLO - YELLOWSTONE BRANCH | 486 Yellowstone Ave | Pocatello, ID |
Showing 7 of 11
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/01/1892 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 83252 |
| State and County Number | 16071 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 88 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ireland-bank.bank |
| Data Updated | 01/30/2026 |
| CERT | 1237 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $371.20M |
| Total Deposits | $325.10M |
| Total Liabilities | $335.78M |
| Total Equity Capital | $35.42M |
| Net Income | $1.08M |
| Net Loans and Leases | $184.07M |
| Assets Per Employee ($Millions) | $4.17M |
| Bank Premises and Fixed Assets | $4.70M |
| Cash and Balances due from Depository Institutions | $32.36M |
| Deposits Held in Domestic Offices | $325.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 12.37% |
| Net Interest Margin | 4.24% |
| Efficiency Ratio | 67.45% |
| Tier 1 Risk-Based Capital Ratio | 18.122% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.541% |
| Earning Assets to total Assets | 95.27% |
Income and Expense
| Total Interest Income | $4.54M |
| Total Noninterest Income | $460.00k |
| Total Interest Expense | $753.00k |
| Total Noninterest Expense | $2.86M |
| Net Interest Income | $3.78M |
| Pre-tax Net Operating Income | $1.25M |
| Provision for Credit Losses | $135.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.73M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.96M |
| Total Liabilities and Capital | $371.20M |
Securities
| Securities | $139.36M |
| Available-for-sale debt securities | $74.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $64.24M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ireland Bank?
$371.20M as of the latest filing.
How much are Ireland Bank's total deposits?
$325.10M in total deposits.
Where is Ireland Bank located?
Malad City, ID.
What is the Net Interest Margin?
4.24%.
How many domestic offices does it operate?
12.
When was it established?
12/01/1892.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$184.07M (latest filing).
What is the total interest income (latest filing)?
$4.54M.