FDIC Cert #1237 · Malad City, Idaho · Est. 1892

Ireland Bank - FDIC Bank Health Profile

A community-scale look at Ireland Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$371M
Total assets
B
Health grade · Good
0.85%
Return on assets
17.9%
Tier 1 capital

Data updated July 2026

The verdict

Ireland Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 17.86% Tier 1, 0.85% ROA, 73% efficiency ratio.

#2,189
largest of 4,313 FDIC banks by assets
49th
percentile by asset size, nationally
17.86%
Tier 1 ratio - above the 10% well-capitalized line
33rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 1237 · ID B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2619/4307
  • PHOTO-FINISH Woodlands National B… · MN
  • TIER1-WELL 17.9% Tier 1
  • TEXAS-CLEAN 11.3% Texas
  • ROA-PAR 0.85% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Idaho: Woodlands National Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Ireland Bank

Lowest and highest poles plus nearest scored peers outside Idaho, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Ireland Bank · ID · this bank74/100Peoples Bank of Gree… · AL ·…74/100The State Bank of Ge… · IL ·…74/100The Wanda State Bank · MN · …74/100Woodlands National B… · MN ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Ireland Bank · July 2026

Plate reading for Ireland Bank where failures stay rare

Ireland Bank (FDIC Cert #1237) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,619 of 4,307. Tier 1 capital prints at 17.86%, clearing the 10% well-capitalized line. The Texas Ratio is 11.28%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.85%. Balance-sheet scale is $371M, 2,189th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Woodlands National Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Ireland Bank

Only 2 FAILURE resolutions in Idaho since 2000

Ireland Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • SYRINGA BANK BOISE, ID 2014 → SUNWEST BANK
  • FIRST BANK OF IDAHO, FSB KETCHUM, ID 2009 → U.S. BANK, NATIONAL ASSOCIATION
  • FIRST BANK & TRUST OF IDAHO MALAD CITY, ID 1986 → IDAHO FIRST NATIONAL BAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Idaho banks.

How Ireland Bank's 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
Ireland Bank's composite health score
Tier 1 Capital Ratio (17.86%) 40/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (11.28%) 16/20
Efficiency Ratio (72.51%) 4/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$371M

Total balance-sheet footings

Total Deposits

$325M

Customer-funded liabilities

Net Loans

$184M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.46% 17.86% 19.26%
Basel III capital ratios - Ireland Bank

Where Ireland Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ireland Bank's score of 74/100 falls in the highlighted band.

Ireland Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 39th percentile higher than 39% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Ireland Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Ireland Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ireland Bank's $371M falls in the highlighted band.

Safety metrics: Ireland Bank

Tier 1 capital ratio
Well-capitalized 10%

17.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.86%
Texas Ratio
11.28%
Equity Capital
$35M

What these ratios mean →

Profitability metrics: Ireland Bank

Return on Assets (ROA)
33rd percentile nationally
0.85%
Return on Equity (ROE)
9.71%
Efficiency Ratio
72.51%

What these mean →

Income & expense at Ireland Bank

$17M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Ireland Bank reports a Texas Ratio of 11.28% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Ireland Bank on FDIC BankFind →

Top banks in Idaho by total assets

Largest banks headquartered in Idaho
  1. 1
    D. L. Evans Bank $3.7B

    Burley, ID · Grade A

  2. 2
    The Bank of Commerce $2.3B

    Ammon, ID · Grade A

  3. 3
    Northwest Bank $1.5B

    Boise, ID · Grade A

  4. 4
    Idaho First Bank $1.5B

    Mccall, ID · Grade B

  5. 5
    First Federal Savings Bank of Twin Fa… $1.4B

    Twin Falls, ID · Grade B

Top 5 banks in Idaho ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($371M here), outside Idaho so the neighborhood is not state containment.

Universal Bank $371M · CA First National Bank of Decatur County $371M · GA Southern Bank $371M · GA The Delaware National Bank of Delhi $371M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ireland Bank (FDIC Cert #1237) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Ireland Bank Call Report profile · FDIC Failed Bank List · Idaho FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Idaho

All Idaho banks →
BankAssetsGradeROA
D. L. Evans BankBurley $3.7B A 1.12%
The Bank of CommerceAmmon $2.3B A 2.13%
Northwest BankBoise $1.5B A 1.68%
Idaho First BankMccall $1.5B B 0.65%
First Federal Savings Bank of Twin FallsTwin Falls $1.4B B 0.82%
Farmers BankBuhl $668M A 1.49%
Idaho Trust BankBoise $243M A 1.66%
bankcdaCoeur D Alene $243M B 0.80%