| Metric | Ireland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +4.4% | -8.4 pts |
| Deposit growth (YoY) | -3.1% | +4.0% | -7.1 pts |
| Loan growth (YoY) | -4.4% | +5.6% | -10.0 pts |
| ROA | 0.79% | 1.24% | -0.5 pts |
| ROE | 7.9% | 11.9% | -3.9 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $355.4M | $314.1M | $186.2M | $36.8M | $1.4M | 0.79% | 4.24% | 1.51% |
| Q1 2026 | $361.7M | $316.2M | $181.1M | $35.7M | $594K | 0.65% | 4.16% | 1.17% |
| Q4 2025 | $371.2M | $325.1M | $184.1M | $35.4M | $3.2M | 0.85% | 3.96% | 1.15% |
| Q3 2025 | $379.2M | $332.6M | $191.8M | $34.2M | $2.1M | 0.75% | 3.85% | 1.22% |
| Q2 2025 | $370.1M | $324.2M | $194.7M | $32.5M | $1.5M | 0.80% | 3.92% | 0.04% |
| Q1 2025 | $365.5M | $320.4M | $188.9M | $31.0M | $587K | 0.64% | 3.78% | 0.02% |
| Q4 2024 | $369.0M | $324.2M | $188.6M | $29.5M | $3.2M | 0.86% | 3.85% | 0.03% |
| Q3 2024 | $374.2M | $327.9M | $202.8M | $29.0M | $2.1M | 0.74% | 3.82% | 0.01% |
Loan mix (Q2 2026): real estate $84.2M · commercial $47.4M · consumer $34.6M · securities $135.3M
| Ratio | Ireland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 62.9% | 74th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ireland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ireland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Ireland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ireland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ireland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
12 branches in 9 counties across 1 state (+0 vs 2025) · $314.1M branch deposits. Biggest market: Oneida, ID, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oneida, ID | 1 | $74.3M | 100.00% | 1st |
| Bannock, ID | 3 | $59.2M | 2.24% | 14th |
| Caribou, ID | 2 | $45.2M | 26.40% | 2nd |
| 6 more counties with Pro → | ||||
Idaho: 35th with 0.47% · Pocatello metro: 14th, 2.24% · Logan metro: 15th, 0.64% ·
Branch count: 2022 14 · 2023 12 · 2024 12 · 2025 12 · 2026 12
Technology spend in line with peers (22 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).