# IRELAND BANK
MALAD CITY, ID · FDIC certificate 1237 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $355.4M | |
| Deposits | $314.1M | |
| Loans and leases | $188.6M | |
| Total equity | $36.8M | |
| Loans / deposits | 59.27% (p12 of band) | 82.04% |
| Liquid assets / assets | 43.18% (p86 of band) | |
| Uninsured deposits / deposits | 19.81% (p28 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.09% (p25 of band) | |
| FHLB advances / assets | 0.09% | |
| Tier 1 leverage | 11.54% (p63 of band) | 10.81% |
| Unrealized securities loss / equity | -6.12% (p57 of band) | -8.10% |
| AOCI / equity | 0.87% (p94 of band) | |
| ROA (annualized) | 0.79% (p20 of band) | 1.28% |
| Net interest margin | 4.24% (p69 of band) | 3.91% |
| Efficiency ratio | 72.51% (p78 of band) | |
| Noncurrent loans | 2.84% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 0.30% (p94 of band) | |
| Reserve coverage of noncurrent | 44.57% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 15.67% (p20 of band) | |
| Auto loans | $33.6M (17.80% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 1 |  | charge-offs p90, losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2013-03 | 1 |  | capital falling, losing money, charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | expense ratio p90 | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-03-14 [Bank of Ireland NYC Hub lease extended to 2033 - Think Business](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTG9vb2xtQ0RENzZpX19CZjE4Yzk3WDBPOGVvZ2hGSE14NnJGLU9xZUpiM0IwbWtwalRHZXVaVUF2X0lDdmZ0TE95aGN0OWdhNXllQmdlMXpKSHpYTEtVZmVvOTFqeklnbHduTFhMNkZLVTZ3dUNKak9NVEdlYzhyUXdqQQ?oc=5) · Think Business
- 2024-08-22 [Montpelier's Steve Allred retires after 39 year financial career - Idaho State Journal](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOZVBrTS1NZ2FNcVhiS2hTczhDTnp6bzVndEZDN3lSTnpqRFE4QkQ2QVN1V2R0R2RFUU13NmY2NmlwUlNPa3J1bzZnUjF0NnpRNXFOZTUtZE42QmhvZXk0UzFwVnNITkhxeEhWTnM5QjMxQjVsYzNqU2toaTFQODI4UzlKdi1HdVpYNElKY0dNZkszT3pTcDBRVjRyQUN2OXR4ZzdtRHB6NUhtU1pqLURBYURUVVotWllYU3JFUmZVNHhvTnlsMGlqYk9vTEdKamVPNlVIbDBiYnh0a2xtcF90X1NFSWVmR0RKNXRtcXlNaw?oc=5) · Idaho State Journal
- 2024-01-08 [Carol Leona Ivie Obituary Jan 8, 2024 - Wilks Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE1sMjN6Qks5T25XdHBsWExTY2pKT3FtRFo2c3FDMWpoWnhkQW5WVjVfTUhsbk92SUo3UGs5dGh5Z25UQ3ZOMng0MmRVT2hXVEF0c2dCQUdDYjAxMDQ4WGh2RjdqV3lWTEtYaFpvLXpB?oc=5) · Wilks Funeral Homes
- 2019-04-02 [Soda Springs Police Department identifies suspect in Ireland Bank robbery - KPVI](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPb0pWZnFNUUlwbGpLeThKUHpGMFJTTl92NEFVcVZaVkd5SDlWT2R3djAzT3FuaGkyUlZGUnBiNEZ3cjRJbm5QZUM2QXpBamV0ZmFDM1VLaWl6eXphZWlqbWhFQlV2Nzd4YUltaGdvVUs2cTVJNzFhbzJKY2FsV21Mb0F5RVh1d2w3NExYelZZd0RYcW4tSWlIdFFDMTR3ckpHMjhYV2dPZlFMcVM2TmdjazBuY3NuXzdmUklQdk9kNE9wczVTMWx5QWg4cmNwazhZRWcwNHdqVnhueGEyczJ5OEYwdFE3b015MElGd0ZCMXJCUQ?oc=5) · KPVI
- 2013-02-14 [Irish take to the streets to protest bank bailout costs - publicservices.international](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOWWV0bkxJZFBnOGdKNmJLWGVPbG9BQWtUaGxvSFBtZHhleGNJc2FmdlBWeUdBLWRzQlV4YVh2eUNXeW5hMzg5OE8xOWNLV1EzRVlWS2h6WTMtN1QydzFEQ2hYMDQxX3EySUpLSld5SDZ2Y25mMU1QdjV1LTdSMUExTmJVZ1VQMHRjVmZuTk5tM21pQXIwdTlMWDh5bzJ4cjUyVjJGbDNyaWFZNFNYUDdlX0dUbzVSR1NOOHk1akk2d2s?oc=5) · publicservices.international
- 2026-01-12 [Marilyn Shelman Obituary (1947 - 2026) - Preston, UT - The Preston Citizen - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNMnNoZkJVVU5EYm5Jb1FrWEVjVjZyZHhMOElkZUloeEt3NmFFamItT1hodDVJSWxHV2Fsc3JMTmdWZmRzSDdUTmJ5dmpfWmlPQnhfeF9UQmx2WDRLMVNvUGV2OTBXdFNrN01KMDB0S0x3QWdnZDFURUU0SmxQZGhKT3M0MTdlRkk2MnU3Z2ZxTQ?oc=5) · legacy.com
- 2025-11-26 [Carol Meehan becomes Bank of Ireland's Director of Everyday Banking - businessplus.ie](https://news.google.com/rss/articles/CBMicEFVX3lxTE9BTms5bzB0SEk1Z2ZoNVlkclJRRDc3TldqUWdGTW56VHlhbUNxaHdIc1ZVbFN4dmxIUUY3dnNCMUhTQTE2aXBvQzltbk4wX2d0WnowTWZVdHZpalJiR2RDUUJId1FKRk5Yd19ZY0VsMHA?oc=5) · businessplus.ie
- 2016-07-08 [Education player Code Institute raises €500,000 investment - Silicon Republic](https://news.google.com/rss/articles/CBMidkFVX3lxTE1sdXhQVnNTWmNpUEZ1WDdVallEWVNBSU4yU0ZQSFY3V093MFpMNHZURkp2WHFVVnFwNzd4aTBRUmQta29MN0FiM1V4VWtDQi1BZWtmbjdKRWRvQWhKcmU3ZURMMktRN0V0U0lDUVVxbGZLUDZLMHc?oc=5) · Silicon Republic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1237 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "1237", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide