Bank · FDIC insured
Ireland Bank
A $355.4M bank headquartered in Malad City, ID, with 12 branches in Idaho. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no rate at the amounts we compare. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.00%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Ireland Bank
Founded in 1892 in Malad City, Ireland Bank is the oldest state-chartered bank in Idaho.
Community leaders established the bank to support the frontier town's future growth, naming it after senior founder J.N. Ireland.
The community bank serves individuals, families, and businesses across Southern Idaho.
- Headquarters
- 33 Bannock St, Malad City, ID 83252
- FDIC certificate
- 1237 ↗
Branches
12 branches in Idaho
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Idaho
12 branches
Malad City area · 1
- Ireland BankMain office33 Bannock St, Malad City, ID 83252Directions
Aberdeen area · 1
- Aberdeen Branch386 N Main St, Aberdeen, ID 83210Directions
Carey area · 1
- Carey Branch20449 N Main St, Carey, ID 83320Directions
Grace area · 1
- Grace Branch1 N Main St, Grace, ID 83241Directions
Inkom area · 1
- Inkom BranchMain Street And Highway 30, Inkom, ID 83245Directions
Lava Hot Springs area · 1
- Lava Hot Springs Branch110 E Main, Lava Hot Springs, ID 83246Directions
Mackay area · 1
- Mackay Branch208 S Main St, Mackay, ID 83251Directions
Montpelier area · 1
- Montpelier Branch420 N 4th St, Montpelier, ID 83254Directions
Pocatello area · 1
- Pocatello - Yellowstone Branch486 Yellowstone Ave, Pocatello, ID 83201Directions
Preston area · 1
- Preston Branch85 E Oneida St, Preston, ID 83263Directions
Soda Springs area · 1
- Soda Springs Branch98 W 2nd S, Soda Springs, ID 83276Directions
Twin Falls area · 1
- Magic Valley Branch649 Pole Line Rd, Twin Falls, ID 83301Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.54% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.84% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.79% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $60 | $81 | — |
- CapitalLeverage ratio11.54%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.84%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.79%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$60Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Ireland Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.