Compared with Idaho
7 of 13
compared fees are above the median.
3 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
77th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Idaho median
of 13 compared; 3 below, 3 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Ireland Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Idaho median | Published fees above the Idaho median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Ireland Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.7% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (77th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $153K in Q2 2026, 18% above the same quarter a year earlier ($130K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 13 compared published fees sit above the Idaho median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Idaho medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Compared at $7, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Idaho, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 6.3% from Q3 2025 to Q2 2026, to $153K. Its share of revenue, 3.7%, is above the 2.1% median for banks with $300M to $1B in assets.
$153K
Ireland BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $15; we compare the midpoint.
Ireland Bank · $355M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Ireland Bank(this institution) | Malad City, ID | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| AmeriFirst Bank | Montgomery, AL | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Citizens National Bank of Albion | Albion, IL | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Commercial Bank & Trust Company | Monticello, AR | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Bank | Lexington, TN | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Bank of Raymore | Raymore, MO | $347M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cowboy Bank | Kremlin, OK | $350M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Desjardins Bank, National Association | Hallandale, FL | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers & Merchants Bank | Miamisburg, OH | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank in Port Lavaca | Port Lavaca, TX | $361M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Frontier Bank | Sioux Falls, SD | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Glenwood State Bank | Glenwood, IA | $353M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Great Southern Bank | Meridian, MS | $355M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Harvest Bank | Kimball, MN | $355M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Bank National Association | Spicer, MN | $361M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Iowa State Bank and Trust Company of Fairfield, Iowa | Fairfield, IA | $352M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Logan Bank & Trust Company | Logan, WV | $359M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Native American Bank, National Association | Denver, CO | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| OSB Community Bank | Ottawa, IL | $356M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Premier Bank | Dubuque, IA | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| ProGrowth Bank | Nicollet, MN | $365M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rabun County Bank | Clayton, GA | $362M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Street Bank and Trust Company | Quincy, IL | $357M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Gordon | Gordon, NE | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Mount Dora | Mount Dora, FL | $358M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Waumandee State Bank | Waumandee, WI | $345M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its seven prices, against a peer median of $9.50 among 16 publishing peers.
Its seven checking prices are $2, $3, $5, $7, $10, $12 and $15.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Ireland Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $153K | +$12K | +8.5% |
| Q1 2026 | $141K | −$36K | −20.3% |
| Q4 2025 | $177K | +$33K | +22.9% |
| Q3 2025 | $144K | +$14K | +10.8% |
| Q2 2025 | $130K | −$8K | −5.8% |
| Q1 2025 | $138K | −$56K | −28.9% |
| Q4 2024 | $194K | +$63K | +48.1% |
| Q3 2024 | $131K | +$3K | +2.3% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Ireland Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Ireland Bank by share.
Amounts from Ireland Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per quarter
per item
per hour
per page · Imaged Checks, and Transaction Copies (per page) | $2.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Classic Checking Account Monthly service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Classic Plus Checking Account Monthly service charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Essential Plus Checking Account Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge reduced | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge reduced | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Quarterly service charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee (Checking) (Starts 12 months after no activity) (per month) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee (Savings) (Starts 24 months after no activity) (per quarter) | $3Not compared: Quarterly charge, not monthly | per quarter | None |
| Additional service charge | $1Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Research Fee | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Paid (A non-sufficient funds items may be created by check, in person withdrawal, or other electronic means) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Return Item Charge | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Standard Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Fee – Outgoing Domestic (Customers Only) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Fee – Incoming (Customers Only) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Fee – Outgoing Foreign (Customers Only) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Fee | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Foreign Bank Check Clearing Fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Account Services | |||
| Sheriff’s Garnishments | $12Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax Services – Incoming | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Services – Outgoing First Page | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Imaged Checks, and Transaction Copies (per page) | $2Not compared: Charged per page; comparison unavailable | per page | Imaged Checks, and Transaction Copies (per page) | $2.00 |
| Research or Duplicate Statement Request | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Ireland Bank operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state, $314.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 7 | $210.4M |
| 3 | $59.2M | |
| 1 | $35.2M | |
| 1 | $9.3M |
Pocatello, ID
5.4% of bank deposits, #7 of 9, down 2.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 21.9% |
| Glacier Bank | 21.8% |
| Wells Fargo Bank, National Association | 20.4% |
| Zions Bancorporation, N.A. | 9.8% |
| KeyBank National Association | 8.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Pocatello, ID, Ireland Bank holds 5.4% of bank deposits, #7 of 9, with 3 offices.
37 offices of 19 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 9 institutions shown. $1.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 5.4% share, 3 offices, #7 of 9
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
21 offices of 10 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.