BlastPoint's Banking Scorecard
Ireland Bank
Malad City, ID
12 branches across ID
Ireland Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 20.66% above tier average
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 8.8% in tier
- - Delinquency Rate 1.45% above tier average
- - ROA 0.62% below tier average
- - Efficiency Ratio 10.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$361.7M
-1.1% YoY
-2.6% QoQ
|
-$24.4M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$181.1M
-4.2% YoY
-1.6% QoQ
|
-$74.7M |
$255.7M
+1.1% YoY
|
$721.8M
+11.9% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$316.2M
-1.3% YoY
-2.7% QoQ
|
-$11.8M |
$328.0M
+0.1% YoY
|
$1.0B
+7.3% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.65%
+1.4% YoY
-23.9% QoQ
|
-0.62% |
1.27%
+12.9% YoY
|
1.36%
+10.3% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
4.16%
+10.2% YoY
+5.1% QoQ
|
+0.23% |
3.93%
+6.0% YoY
|
4.13%
+5.6% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
75.43%
-3.4% YoY
+4.0% QoQ
|
+10.15% |
65.29%
-4.5% YoY
|
58.29%
-6.4% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
2.34%
+0.9% QoQ
|
+1.45% |
0.89%
+18.8% YoY
|
1.10%
+336.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.3% in tier |
| Loan-to-Deposit Ratio ? |
57.27%
-2.9% YoY
+1.1% QoQ
|
-19.37% |
76.64%
+0.8% YoY
|
73.00%
+1.9% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
42.68%
+5.4% YoY
-3.8% QoQ
|
+20.66% |
22.02%
-1.0% YoY
|
28.05%
+0.2% YoY
|
22.01%
-1.2% YoY
|
Top 3.5% in tier |
| Nonperforming Asset Ratio ? |
1.17%
+1.8% QoQ
|
+0.53% |
0.64%
+19.7% YoY
|
0.64%
+322.0% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
18.26%
+16.3% YoY
+2.2% QoQ
|
+2.43% |
15.83%
+1.5% YoY
|
16.15%
+4.3% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.13%
+14.5% YoY
-74.4% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.12%
+4.7% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.