# ALLIED IRISH BANKS
NEW YORK, NY · FDIC certificate 33684 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.43B | |
| Deposits | $0 | |
| Loans and leases | $1.75B | |
| Total equity | $0 | |
| Loans / deposits | 0.00% (p1 of band) | 87.10% |
| Liquid assets / assets | 26.90% (p69 of band) | |
| Uninsured deposits / deposits | – | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.50% |
| Unrealized securities loss / equity | – | -7.75% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p2 of band) | 1.26% |
| Net interest margin | 0.00% (p1 of band) | 3.70% |
| Efficiency ratio | 0.00% (p1 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 0 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, wholesale funding >15%, leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 5 |  | loans exceed deposits |
| 2012-03 | 7 | loans exceed deposits, deposits shrinking, assets shrinking | wholesale funding >15% |
| 2012-06 | 7 |  |  |
| 2012-09 | 7 |  |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 6 |  | deposits shrinking |
| 2013-06 | 6 |  |  |
| 2013-09 | 5 |  | loans exceed deposits |
| 2013-12 | 6 | loans exceed deposits |  |
| 2014-03 | 6 | deposits shrinking | assets shrinking |
| 2014-06 | 6 |  |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 6 |  |  |
| 2015-03 | 8 | wholesale funding >15%, assets shrinking |  |
| 2015-06 | 7 |  | assets shrinking |
| 2015-09 | 7 |  |  |
| 2015-12 | 7 |  |  |
| 2016-03 | 7 |  |  |
| 2016-06 | 6 |  | deposits shrinking |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 | deposits shrinking | loans exceed deposits |
| 2017-06 | 6 |  |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 5 |  | deposits shrinking |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 6 | assets shrinking |  |
| 2018-12 | 4 |  | wholesale funding >15%, assets shrinking |
| 2019-03 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2019-06 | 4 |  | loans exceed deposits, wholesale funding >15% |
| 2019-09 | 5 | deposits shrinking |  |
| 2019-12 | 6 | assets shrinking |  |
| 2020-03 | 6 | wholesale funding >15% | assets shrinking |
| 2020-06 | 5 | assets shrinking | deposits shrinking, wholesale funding >15% |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | assets shrinking |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 5 | wholesale funding >15% |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 6 | assets shrinking |  |
| 2022-12 | 5 |  | assets shrinking |
| 2023-03 | 4 |  | wholesale funding >15% |
| 2023-06 | 5 | wholesale funding >15% |  |
| 2023-09 | 4 |  | wholesale funding >15% |
| 2023-12 | 5 | wholesale funding >15% |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | wholesale funding >15% |
| 2024-12 | 5 | assets shrinking |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | assets shrinking |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-19 [The 15-year comeback of Allied Irish Banks - American Banker](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNW5wOUIxcnJONTgtN2VhS3VMck9iMHJ2cEVXaWhKVzBKbEtrd0ptV25zS2RLTnFkVXUydDZGR2JjMTNnLVV6dlhkLTEySHJuRkU5SXkwUUNTbzlZeWdiVUl2UVB4Sl9GN1hzOUhfWWxYdUF5bExTaTlCVzFJQlpsVUhfZ2U?oc=5) · American Banker
- 2024-06-12 [Allied Irish Banks relocating New York City headquarters - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPclRNb3lKanVPTGFnRENNWXlBLXV5NHRqbS1WWXlRRVgyYk9VSjUxYWk5MXNHVjV1U25nUVZxT0lDQTV6UGpMUTNRdnRnc0NFU0Z4cWlDUVNScENxcFpqVWRxNnQzNUdoTjU4R0NYSlRnVTI0R0dNa2k1WVVyVW9GdkNSR1k5VTZBeDdaSGI1MEtTVTBNQmJVVXVJNGFTNmZGVDJhNQ?oc=5) · The Business Journals
- 2022-07-22 [Ireland's AIB drops plans to make many branches cashless - Reuters](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWVhhNk52WjV1UTdmUnR4VzRnUnFCcjM0Vlg5TWdjeVRveGVKQlpsRjZEZmZiQURId1psNWNVQnczSW5Jak9JZG0yb1NraUI1aVhOSVJGeUNMaTNrLTRzeW9ldkJZUTNFbFQySlY2VEdFWktWX2RoSUJsbFJkWnVkcUtNU3F1S1lZcE41OWx1dUtieG5ON3d6MkxQZjZOZFljWFJtY0J0RlI?oc=5) · Reuters
- 2026-02-04 [Jeffrey Epstein discussed potential €3 billion AIB deal at height of Irish financial crisis - The Journal](https://news.google.com/rss/articles/CBMiywFBVV95cUxOd3dCcGRrNW9vNGJtVVVrbWwxOEhpcU5QZUhpMHIySGVQT0lPQTFWeFltVnRab3REWjM2OGpySlp4LVdEWHhLOGxiOHpTWENEOFk3R1RnTnJYUzVjeTF3VDFjUVRZNEFaY0NiNzllejNoUG1BNG1WdzZDYVJWRkU2UHFMOEdtWmNiOXhQS2JTNTdmNUFqSmFwd0ZKXzFrTEJVdnRkS2w4UGhwM3J2ek51X196NDNpZUpHSVk2TkEySkNjcWZRMUZSOVhiWQ?oc=5) · The Journal
- 2011-02-04 [Allied Irish Banks Wants €84M for Botched Retail Banking System - IEEE Spectrum](https://news.google.com/rss/articles/CBMivgFBVV95cUxNWG1GcWtzdUM3WXJ5NDRWdTVXVFU0c3A2ZW1kSlF2SDQ1SHZOdWRYRU5PbFBzMkhUUV9QbXo0bEhoWkphNFYza0lfckdyTWxJWnBMVHdOZ0Vrc1RYQm5TbHBmVTN4eWwycXFYNUdGbFRMS3BiWG00V0xJWkxxRG5NajVlR2tMSkVHMU9zdFBOcU04enl3LTBlTW1nUGg2clFuMXk2MUYxay04OUF6ZGY4SmZTY2doNC1VWEE1T2N3?oc=5) · IEEE Spectrum
- 2017-07-18 [DEAL: Allied Irish Banks’ $4.3 billion IPO - IFLR](https://news.google.com/rss/articles/CBMilAFBVV95cUxOVW5rM1UtMnV3MGI0bjNhQ2F5aTZ4MDFGd2FRd1ZHY1RoZnh6T0p4NWdHbFllZjZhTW0wSWcxMkZkRjZnekk1cGpuVTE3THpjaGItbUZ5NFRLS1UxUldwYUFPSHBBT29ZM01qZUlUMjZWU0FEY1NfRUtySnRXNVF1WHAwVGotZXM2bWtERVdZS1ZpdWxR?oc=5) · IFLR
- 2010-10-05 [Irish bank whistleblower gets second apology - Whistleblower Network News](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZEx2WkprQldnakRjbzFHWDNqV29hYWhQNV9uSFFjc2pQNnhrSVVSOTFwdlJoSGZHcG9ETG44RThJU2dWelFCTDRJaWRVSjlTU2t6amYwS3psemxsbFAxVUV2SHdaWmFXeHZXNnJPQ05QbE5vY0RVQzNKXzl6VWNLN3R0WWdSaXp0N0xnRTRwLUdfc3V4N3BGbVl3VjN0SmZsaER30gGjAUFVX3lxTE9kTHZaSmtCV2dqRGNvMUdYM2pXb2FhaFA1X25IUWNzalA2eGtJVVI5MXB2UmhIZkdwb0RMbjhFOElTZ1Z6UUJMNElpZFVKOVNTa3pqZjBLemx6bGxsUDFVRXZId1paYVd4dlc2ck9DTlBsTm9jRFVDM0pfOXpVY0s3dHRZZ1JpenQ3TGdFNHAtR19zdXg3cEZtWXdWM3RKZmxoRHc?oc=5) · Whistleblower Network News
- 1991-05-02 [TSB Bank to be sold to Allied Irish Banks PLC - upi.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPYnV4NWV0UXB5ajFpLUNFdThMLW44Q0NmcmVDdkZuWjVTRHNsVXpqZEI0TjZsRzVobVpOWDE1NlZZaFlidkdyX20tME02cnZUenNJZjV1anEwYm1CN2ZLdlBlTWlPRENYeldtWm11WGRSdjBCbWJwQ2pBT1R0WXY0UFFLZERHRlJjSnEyaVRjSWRuYWR4aWo1X2VZc1dPTEdyakHSAacBQVVfeXFMTTY1dElvQTY1eUZQSGJhWXBpdkZ6Q1JrSDV0MUVpUm1rQXNFa0VjY0J0SU5vLWJZX1VlM2NfMkVNNU5Ddy0wZGtpZWxpTE43Q283QnBrWldtYmhSeC01Q3dJZklEVG1uMlN6ZFJGZG5iU201elNub2JYWlE5UWtDQVlvYlVQTUcyWW1NY1NqNmU5LWMwVUVVcGFSWm5SdE9RYnB6M1YtTW8?oc=5) · upi.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33684 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "33684", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide