Professional IRA Bank Monitor For Regulators, Program Compliance Officers, Insurers and M&A Analysis Users
Includes IRA's "Shadow" CAMELS, Multi-Period Reports, Advanced Scenario Stress Analytics, Raw Data Downloads for FDIC, Fed & NCUA, IRA's BankWire and Analyst articles. Learn More
IRABankRatings.com Unlimited-Use Subscription For Corporate Treasurers, Bankers and Credit Union Operators, Industry Vendors, Portfolio Managers
Designed for monitoring investment and counterparty portfolios to support risk monitoring and allocation processes. Covers all U.S. banks and credit unions. Used by community bankers for marketing and to monitor competitors. Learn More
IRABankRatings.com Shopping Cart For Individual Depositors, Registered Investment Advisors
Know the current risk and stress condition of your bank or credit union. Purchase individual reports using an internet shopping cart. See the same reports a corporate users. Learn More
IRA Banking Industry Fact Sheet
Quickly get an overview of the banking industry. See the trends in industry health over time. What proportion of the industry is stressed? What service segments of the industry are improving and which remain stagnant? This is a popular page to check right after the FDIC releases their quarterly findings.
"Move Your Money"
One of the most important tools we have assembled for empowering people to alter their relationship to banking in America. IRA proudly contributes this FREE tool for public education purposes as part of our commitment to social responsibility.
Failed Bank Forensics
See the tale of the tape on evey bank that has failed since January 2008. IRA has a 97% accuracy record at indicating risk of bank failure.
IRA SEC Filings Catalog There are over 40,000 SEC Registrants that submit financial filings. This tool is designed to steamline getting to all of them. Requires a registered account ID (it activates a cookie) to use the full features.
Questions & Answers
Curious about something? Click Here to ask us a question.
Basel III
How will Basel III impact banks?
The most stingent requirement of Basel III is a dramatic increase in capital reserves to absorb unforseen losses. Regulators have increased these figures based on their assessment of how much trouble could happen in the future. The main effect of this is to cause banks to divert money from operating uses such as lending towards capital reserve accounts.
Cookies
I am unable to log in even when I enter my correct username and password. What could be causing this?
IRA's system uses cookies to confirm your computer is logged in to out site. Your web browser may be preventing your computer from accepting cookies. If this is the case you need to add IRA's website URL's to the trusted list for your browser.
Foreign Banks
"Why do IRA analyses only show the US portions of foreign banks?"
U.S. regulations on banking only require foreign institutions to report information on their U.S. operations in their CALL reprots to the FDIC. These detailed data are required to drive IRA's computations. We do so for these U.S. operating units.
The entire global entity does not report to U.S. bank regulators. IRA does pull in the annual filings by these global companies that are filed with the U.S. Securities and Exchange Commission (SEC) for trading markets compliance purposes but these Form 20-F -- or form 40-F for Canadian firms -- filings are not as detailed as the banking report data.
Stress Testing
Does your model addr
TCE Ratio
Do you calculate the TCE Ratios?
Yes. Tangible Common Equity scores are calculated by IRA for each operating unit looking at the specific data for each FDIC unit. This enables us to compute these scores for the subsidiary units of a bank holding company.
The data can be used to impute the banking units contribution to the consolidated public company TCE's which are based on stock market prices.
Bank Stress Ratings - Advisory Services - Enterprise Tools
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