Ireland Bank (FDIC #1237): Bank Stress & Real-Estate Credit Exposure

Ireland Bank (FDIC Cert #1237): bank stress 74/100, elevated, STABLE over 7 days; parent IRELAND BCORP LTD.

Ireland Bank (#1237) lends in 9 counties across 1 state; Ireland Bank (#1237) reaches 72 ZIP codes: Idaho 9 counties, 72 ZIPs.

Ireland Bank (#1237) largest markets: Bingham County, ID (12 branches, 12 ZIPs) (#1237), Bear Lake County, ID (10 branches, 10 ZIPs) (#1237), Bannock County, ID (30 branches, 10 ZIPs) (#1237), Twin Falls County, ID (10 branches, 10 ZIPs) (#1237), Blaine County, ID (9 branches, 9 ZIPs) (#1237), Caribou County, ID (14 branches, 7 ZIPs) (#1237).

Ireland Bank (#1237) reports $355.4 million in total assets; Ireland Bank (#1237) equity $36.8 million (10.3% of Ireland Bank (#1237) assets); Ireland Bank (#1237) domestic deposits $314.1 million; Ireland Bank (#1237) net income $1.4 million; Ireland Bank (#1237) return on assets 0.79%; Ireland Bank (#1237) return on equity 7.92%; Ireland Bank (#1237) net interest income $7.3 million; Ireland Bank (#1237) call report June 30, 2026.

Ireland Bank (#1237) noncurrent real-estate loans: none reported; Ireland Bank (#1237) net charge-offs on real estate 3.84%.

Ireland Bank (#1237) net interest margin 4.24% against an eight-quarter Ireland Bank (#1237) average of 3.95% (Ireland Bank (#1237) compression -0.29 points); Ireland Bank (#1237) rate-exposure score 40/100, Ireland Bank (#1237) fixed-rate trap 40/100; Ireland Bank (#1237) risk type credit driven; Ireland Bank (#1237) rate regime rates elevated, Ireland Bank (#1237) snapshot October 20, 2026.

Ireland Bank (#1237) stress score moved from 76.3 on June 22, 2026 to 73.6 on October 20, 2026; Ireland Bank (#1237) ranged 73.6 to 76.3 over 117 snapshots.

Ireland Bank (#1237) alerts: 9 counties; top Ireland Bank (#1237) alert scores: Twin Falls County, ID 46 (moderate); Aberdeen County, ID 25 (low); Carey County, ID 25 (low); Mackay County, ID 25 (low); Malad City County, ID 25 (low).