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Overview / Commentary
33 Bannock Street
Malad City, ID 83252

Ireland Bank is headquartered in Malad City and is the 10st largest bank in the state of Idaho. It is also the 2,845th largest bank in the nation. It was established in 1892 and as of March of 2014, it had grown to 93 employees at 13 locations. Ireland Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Ireland Bank had $4.44 million in non-current loans and owned real-estate with $20.42 million in equity and loan loss allowances on hand to cover it. This gives Ireland Bank a Texas Ratio of 21.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Ireland Bank decreased dramatically from 35.06% as of March 31, 2013 to 21.74% as of March 31, 2014, resulting in a positive change of 38.00%.This indicates that the balance sheet and financial strength for Ireland Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Ireland Bank has decreased its total deposits by -$2.62 million, resulting in -1.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ireland Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ireland Bank has $219.3 million in assets with $20.42 million in equity, resulting in a capitalization level of 9.31%, which is average.

Institution Statistics

FDIC Certificate #1237
Year Established1892
Primary RegulatorFDIC
Assets and Liabilities
Assets$219.30 million
Loans$125.20 million
Deposits$194.49 million
Equity Capital$18.77 million
Loan Loss Allowance$1.65 million
Unbacked Noncurrent Loans$2.04 million
Real Estate Owned$2.40 million
Historic Data - March 2013
Assets$219.64 million
Equity Capital$18.85 million
Loan Loss Allowance$2.04 million
Unbacked Noncurrent Loans$2.04 million
Real Estate Owned$1.82 million
Profit Margin - Quarterly
Net Interest Margin4.04%
Return on Assets0.38%
Return on Equity4.49%
Interest Income$2.24 million

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Ireland Bank has 13 locations. Click to view all Ireland Bank locations.