Ireland Bank: Bank Stress & Real-Estate Credit Exposure

At 74/100, Ireland Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #1237. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

The combination of a elevated reading and a compact footprint is what makes Ireland Bank worth watching as a supply signal. DLRadar maps Ireland Bank into 9 counties (72 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Idaho (9 counties). Ireland Bank is held under Ireland Bcorp Ltd, so its disclosures are public and its stress trajectory is externally verifiable. The Ireland Bank score updates as fresh FDIC call reports post each quarter, so its 74/100 reading and 9-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Ireland Bank is directly comparable to any lender in the country. Its lending reaches counties such as Bingham County, ID, Bear Lake County, ID, Bannock County, ID, Twin Falls County, ID, each tied back to DLRadar's distress signals. Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 72 ZIP codes Ireland Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. What separates this from a plain credit rating is the geographic weighting — Ireland Bank's 74/100 reading reflects not just its balance sheet but the 9 counties it lends into, so the score doubles as a map of where its stress will land first.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Ireland Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.