Visbanking Logo
Skip to main content

Ireland Bank

IDRSSD: 428462
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q3QoQ -9

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #428462 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.41% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ 0
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -56

The five pillars

Liquidity

StrongQoQ +3
93
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 57.7%, cash 6.9% of assets.

Cash / Assets
6.92%
Loans / Deposits
57.65%
Brokered %
0.15%
No watch items at this period.

Securities

StrongQoQ 0
100
Sub-score

Securities profile is strong: securities 18.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.78%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.09%, CET1 17.09%, leverage 10.61%.

Tier 1 RBC
17.09%
CET1
17.09%
Leverage
10.61%
No watch items at this period.

Asset Quality

StrongQoQ -4
84
Sub-score

Asset quality is strong: Adjusted NPL 2.41%, Texas Ratio 10.9%, NCO YTD 0.02%.

Adjusted NPL
2.41%
Govt-guarantees stripped
Texas Ratio
10.9%
NCO YTD
0.02%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.41% (govt-guarantees stripped).

Reserves

RiskQoQ -56
40
Sub-score

Reserves are weak: ALLL 1.41% of loans, coverage 59.4%, true coverage 45.3%.

ALLL / Loans
1.41%
Coverage
59.4%
True Loss Coverage
45.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.3% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:30:18 UTC