BlastPoint's Banking Scorecard
Ireland Bank
Malad City, ID
12 branches across ID
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 5 in ID.
- Deposits -3.1% year over year ($314.1M on the books).
- Delinquency rate 2.88%.
- Return on assets 0.79%.
- Efficiency ratio 72.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.27% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ireland Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.00% above tier average
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.96% above tier average
- - ROA 0.54% below tier average
- - Efficiency Ratio 8.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$355.4M
-4.0% YoY
-1.7% QoQ
|
-$31.2M |
$386.6M
+1.2% YoY
|
$1.2B
+4.9% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$186.2M
-4.4% YoY
+2.8% QoQ
|
-$72.2M |
$258.3M
+1.7% YoY
|
$741.9M
+9.8% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$314.1M
-3.1% YoY
-0.7% QoQ
|
-$12.6M |
$326.7M
+0.7% YoY
|
$1.0B
+5.9% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
0.79%
-1.7% YoY
+21.1% QoQ
|
-0.54% |
1.32%
+10.8% YoY
|
1.42%
+7.8% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
4.24%
+8.0% YoY
+1.8% QoQ
|
+0.25% |
3.99%
+5.0% YoY
|
4.21%
+5.4% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
72.51%
-1.8% YoY
-3.9% QoQ
|
+8.03% |
64.48%
-3.2% YoY
|
57.44%
-5.2% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
2.88%
+22.9% QoQ
|
+1.96% |
0.92%
+15.7% YoY
|
1.19%
+207.4% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.7% in tier |
| Loan-to-Deposit Ratio ? |
59.27%
-1.3% YoY
+3.5% QoQ
|
-18.68% |
77.95%
+1.0% YoY
|
74.07%
+1.8% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
45.03%
+44.3% YoY
+5.5% QoQ
|
+23.00% |
22.03%
-0.6% YoY
|
28.32%
+5.3% YoY
|
21.98%
-0.6% YoY
|
Top 2.9% in tier |
| Nonperforming Asset Ratio ? |
1.51%
+28.6% QoQ
|
+0.84% |
0.67%
+16.4% YoY
|
0.71%
+195.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.1% in tier |
| Tier 1 Capital Ratio ? |
18.12%
+6.6% YoY
-0.8% QoQ
|
+2.21% |
15.91%
+1.4% YoY
|
15.84%
+2.7% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.27%
+11.4% YoY
+110.6% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.23%
+7.1% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
45.0%
+13.8pp YoY +2.3pp QoQ |
+22.9pp | 22.1% | 28.3% | 22.2% | 97% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.5%
+3.8pp YoY +1.1pp QoQ |
+13.9pp | 11.6% | 16.5% | 12.5% | 94% |
| CRE |
28.3%
-3.0pp YoY -0.7pp QoQ |
-11.2pp | 39.5% | 45.4% | 41.4% | 32% |
| 1-4 Family |
4.5%
+0.5pp YoY -0.4pp QoQ |
-28.1pp | 32.6% | 20.7% | 31.3% | 4% |
| Consumer |
18.6%
+0.9pp YoY -0.6pp QoQ |
+14.5pp | 4.1% | 7.4% | 5.0% | 97% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.1%
+1.1pp YoY -0.1pp QoQ |
-0.7pp | 18.8% | 17.1% | 19.7% | 70% |
| Leverage Ratio |
11.5%
+1.0pp YoY +0.3pp QoQ |
-0.6pp | 12.2% | 12.6% | 12.6% | 58% |
| Total Capital Ratio |
19.2%
+1.0pp YoY -0.3pp QoQ |
-0.7pp | 19.9% | 18.3% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
89
+1 (+1.1%) YoY 0 QoQ |
+30 | 58 | 143 | 482 | 82% |
| Assets per Employee ($) |
$4.0M
-5.1% YoY -1.7% QoQ |
-$3.5M | $7.5M | $8.0M | $8.8M | 4% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 11 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
2.9%
+2.8pp YoY +0.5pp QoQ |
+1.9pp | 0.9% | 1.3% | 1.0% | 93% |
| Allowance Coverage |
0.45x
-97.7% YoY -27.4% QoQ |
-23.71x | 24.15x | 25.14x | 20.23x | 8% |
| Net Charge-off Rate (YTD) |
0.6%
+0.6pp YoY +0.5pp QoQ |
+0.4pp | 0.1% | 0.2% | 0.2% | 95% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.9%
-1.6pp YoY +1.2pp QoQ |
-4.3pp | 12.2% | 11.8% | 11.6% | 25% |
| Cost of Funds (YTD) |
0.8%
-0.3pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.4% | 1.7% | 5% |
| Net Income ($, YTD) |
$1.4M
-3.1% YoY — QoQ |
-$1.1M | $2.6M | $8.6M | $40.4M | 40% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.