BlastPoint's Banking Scorecard
Ireland Bank
Micro
Specialty: Agricultural
ID
FDIC cert 1237
Designations: ✓ Community bank
Malad City, ID
2498
banks in Micro tier nationally
4 in ID
View Micro leaderboard (ID) →
Ireland Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.99% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$371.2M
+0.6% YoY
-2.1% QoQ
|
+$153.7M |
$217.5M
+2.3% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$184.1M
-2.4% YoY
-4.0% QoQ
|
+$44.9M |
$139.2M
+2.8% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$325.1M
+0.3% YoY
-2.3% QoQ
|
+$141.4M |
$183.7M
+1.8% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.85%
-0.8% YoY
+13.7% QoQ
|
-0.23% |
1.08%
+14.7% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.96%
+2.9% YoY
+2.8% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
72.51%
-0.6% YoY
-2.5% QoQ
|
+4.79% |
67.73%
-4.8% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
2.32%
-3.7% QoQ
|
+1.68% |
0.64%
+24.4% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
56.62%
-2.7% YoY
-1.8% QoQ
|
-17.91% |
74.53%
+0.5% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
44.38%
+3.7% YoY
+0.9% QoQ
|
+21.99% |
22.39%
-1.3% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
1.15%
-5.6% QoQ
|
+0.70% |
0.45%
+25.1% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
18.12%
+10.0% YoY
+6.0% QoQ
|
+9.27% |
8.85%
-3.4% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.49%
-2.4% YoY
+36.3% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.38%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.38% · Tier avg: 22.39%
86
86th pctile
Total Deposits
Current: $325.1M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $371.2M · Tier avg: $217.5M
83
83th pctile
Tier 1 Capital Ratio
Current: 18.12% · Tier avg: 8.85%
70
70th pctile
Total Loans
Current: $184.1M · Tier avg: $139.2M
69
69th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
37
37th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
34
34th pctile
Efficiency Ratio
Current: 72.51% · Tier avg: 67.73%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.62% · Tier avg: 74.53%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.32% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.32% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.62% · Tier avg: 74.53%
34
34th pctile
Efficiency Ratio
Current: 72.51% · Tier avg: 67.73%
37
37th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
69
69th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
70
70th pctile
Total Loans
Current: $184.1M · Tier avg: $139.2M
83
83th pctile
Tier 1 Capital Ratio
Current: 18.12% · Tier avg: 8.85%
84
84th pctile
Total Assets
Current: $371.2M · Tier avg: $217.5M
86
86th pctile
Total Deposits
Current: $325.1M · Tier avg: $183.7M
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.38% · Tier avg: 22.39%