🏦Bank Scorer

IRELAND BANK

MALAD CITY, ID · Supervised by FDIC

Est. 1892FDIC #1,237RSSD: FDIC-1237
Part ofIRELAND BCORP LTD→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.65%

Institution Profile

FDIC BankFind

Address

33 Bannock St, MALAD CITY, ID

County

Oneida County

Established

December 1, 1892

Total Assets

$362M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$362M

Total Deposits

$316M

Net Loans

$181M

Net Income

$594K

ROA

0.65%

ROE

6.68%

Risk-Based Capital

19.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$324M

1-Year Change

0

5-year net change: -2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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