TellerScore

Ireland Bank is a state-chartered bank headquartered in Malad City, Idaho, in business for about 134 years. At the end of Q2 2026 it reported $355.4M in total assets and $314.1M in deposits, with 12 offices.

Ireland Bank has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,650 banks with $100 million – $1 billion. Among 10 banks headquartered in Idaho, it ranks 9th. Funding & liquidity contributes the most (95/100, 59% loans-to-deposits, 20% uninsured); loan quality contributes the least (5/100, 2.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.54%
Loan quality5/100
Noncurrent loans ÷ total loans: 2.84%
Earnings51/100
Return on assets (annualized): 0.79%
Funding & liquidity95/100
Loans ÷ deposits and uninsured-deposit share: 59.3% · 19.8% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 23 points (76 → 53), mostly because the loan quality component weakened by 93 points.

TellerScore
536576Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202475
Q1 202575
Q2 202576
Q3 202553
Q4 202556
Q1 202656
Q2 202653
Tier 1 leverage ratio
5.00%8.27%11.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.67%
Q3 20249.78%
Q4 202410.21%
Q1 202510.52%
Q2 202510.57%
Q3 202510.62%
Q4 202510.85%
Q1 202611.19%
Q2 202611.54%
Noncurrent loans
0.01%1.43%2.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.01%
Q4 20240.06%
Q1 20250.04%
Q2 20250.07%
Q3 20252.38%
Q4 20252.29%
Q1 20262.31%
Q2 20262.84%
Return on assets
0.64%0.75%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.74%
Q4 20240.86%
Q1 20250.64%
Q2 20250.80%
Q3 20250.75%
Q4 20250.85%
Q1 20260.65%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$355.4M11.54%2.84%0.79%59.3%
Q1 202656$361.7M11.19%2.31%0.65%57.3%
Q4 202556$371.2M10.85%2.29%0.85%56.6%
Q3 202553$379.2M10.62%2.38%0.75%57.7%
Q2 202576$370.1M10.57%0.07%0.80%60.1%
Q1 202575$365.5M10.52%0.04%0.64%59.0%
Q4 202475$369.0M10.21%0.06%0.86%58.2%
Q3 202473$374.2M9.78%0.01%0.74%61.9%
Q2 202472$371.7M9.67%0.06%0.68%62.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.54%
58th
Total risk-based capital19.24%
85th
Problem loans2.84%
7th
Net charge-offs0.59%
4th
Return on assets0.79%
23rd
Net interest margin4.24%
67th
Efficiency ratio72.5%
25th
Loans to deposits59.3%
84th
Uninsured deposits19.8%
65th
Loan-loss reserves1.27%
58th
Texas ratio13.7%
11th

Similar-size banks in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
Idaho Trust BankBank Boise, ID72 out of 100, Strong$255.6M11.2%0.00%vs
BankcdaBank Coeur D Alene, ID52 out of 100, Below average$238.9M11.4%2.70%vs
Twin River BankBank Lewiston, ID89 out of 100, Very strong$173.0M12.8%0.16%vs
Farmers BankBank Buhl, ID88 out of 100, Very strong$678.4M15.9%0.59%vs

Deposit insurance

Is my money safe at Ireland Bank?

Yes. Ireland Bank is an FDIC-insured institution (FDIC certificate #1237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.8% of deposits ($62.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.24% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Ireland Bank lists 12 offices in 12 cities. Most locations:

  • Aberdeen, ID (1)
  • Carey, ID (1)
  • Grace, ID (1)
  • Inkom, ID (1)
  • Lava Hot Springs, ID (1)
  • Mackay, ID (1)
  • Malad City, ID (1)
  • Montpelier, ID (1)
  • Pocatello, ID (1)
  • Preston, ID (1)
  • Soda Springs, ID (1)
  • Twin Falls, ID (1)

All branch addresses and map

Identity & history

Profile

Legal name
Ireland Bank
Former names
J. N. Ireland and Company, Bankers
Type
State-chartered bank
FDIC certificate #
1237
RSSD ID
428462
Primary regulator
FDIC
Holding company
Ireland Bcorp Ltd
Established
December 1, 1892
Headquarters
33 Bannock St, Malad City, ID 83252
Employees
89

Quick answers

Ireland Bank: common questions

Is Ireland Bank FDIC insured?

Yes. Ireland Bank is an FDIC-insured institution (FDIC certificate #1237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ireland Bank's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Ireland Bank ever failed?

There is no failure record for FDIC certificate #1237 in the FDIC failed bank list.

How many branches does Ireland Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Malad City

InstitutionScoreAssetsCapitalProblem loansCompare
Presto Lewiston Employees Credit UnionCredit union Lewiston, UT85 out of 100, Very strong$342K26.6%0.00%vs
Cache Valley BankBank Logan, UT73 out of 100, Strong$3.5B10.7%0.29%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs