FFIEC · UBPR · CAMELS

Bank regulatory data, built the way analysts think.

Every FDIC-insured institution. 24 years of quarterly filings. UBPR metrics, peer benchmarks, and risk ratios — without wrestling the CDR or paying enterprise-terminal prices.

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ENTITY ALL U.S. BANKS
CALL REPORT Q4 2025
BANKS4,577
ASSETS$24.3T
DEPOSITS$18.7T
LOANS$12.8T
EQUITY$2.5T
NII YTD$724B
1OVERVIEW
2ASSETS
3SECURITIES
4DEPOSITS
5LOANS
6QUALITY
7INCOME
8CAPITAL
Profitability
ROAA1.14%
ROAE11.82%
NIM3.26%
Efficiency57.4%
Capital
CET113.91%
Tier 1 RBC14.72%
Total RBC16.05%
TCE/TA8.34%
Asset Quality
NPL/Loans0.84%
NPA/Assets0.52%
NCO/Loans0.42%
Coverage192%
Balance Sheet
Loans/Dep68.4%
Loans/Assets52.6%
Secs/Assets22.1%
Dep/Liab84.7%
Financial Highlights Quarterly Trends
Metric Q4'25 Q3'25 Q2'25 Q/Q
Net Income$71.2B$68.4B$66.1B+4.1%
Total Assets$24.3T$23.8T$23.4T+2.1%
Total Loans$12.8T$12.5T$12.3T+2.4%
Deposits$18.7T$18.3T$18.1T+2.2%
FFIEC sync · live 4,577 banks · Q4 2025
Built for

Three roles. One source of truth.

Whether you run a community bank, watch the risk book, or trade the regional index — the underlying call report data is the same. We shape it for how you actually work.

Bank Executives

Benchmark your institution against its peer set. Track the same metrics examiners use, without the spreadsheet gymnastics.

  • Peer benchmarking
  • Strategic planning
  • Competitive intel
See bank benchmarks

Risk & Compliance

Monitor regulatory ratios, concentration risk, and capital adequacy across every FDIC-insured institution every quarter.

  • Ratio tracking
  • Risk analysis
  • Compliance monitoring
Explore compliance data

Traders & Analysts

Screen bank fundamentals, backtest ideas against 24 years of quarterly data, and export clean datasets straight into your models.

  • Predictive models
  • Trend analysis
  • Custom exports
View analytics
Capabilities

Everything the CDR gives you — without the CDR.

Call report filings, UBPR ratios, and peer benchmarks, re-rendered as an analyst-grade workspace you can actually move through at speed.

01 · Visualize

Chart 24 years of performance

Every quarterly filing, every bank, interactively — from Q4 2001 forward. Spot margin inflection, loan-loss waves, and deposit flight the moment they hit the filings.

02 · Compliance

Ratios against the threshold

CET1, Tier 1 leverage, Texas Ratio, CRE concentration — see exactly where any bank sits against regulatory trip-wires.

CET1_RATIO14.28%
TIER1_LEV10.41%
TEXAS_RAT8.76%
CRE_CONC312%
03 · Peers

Side-by-side peer groups

Custom or FFIEC-default peer sets. Always up to date.

04 · Risk

Early-warning signals

Concentration, liquidity, asset quality — surfaced before the headline arrives.

05 · Export

Clean tearsheets

Excel exports that drop straight into your models — no re-keying.

06 · Coverage

Every FDIC-insured institution, every quarter

All US banks, no tiered paywall on coverage. If the filing exists, it's in the platform — from the largest G-SIBs down to the smallest community bank.

07 · Speed

Answers in seconds

No waiting on CDR query builders.

Reference

The data behind US bank regulation.

Two filings, a few ratios, and a lot of context. Here's what UBPR and Call Reports actually are, and why analysts care.

UBPR

What UBPR analysis actually tells you.

The Uniform Bank Performance Report is the examiner's working view of a bank — ratios and peer comparisons distilled from the quarterly Call Report. It's where profitability trends, asset quality, capital adequacy, and liquidity risk all get a number attached.

Traditionally that data lives inside the FFIEC's Central Data Repository: bulk downloads, government-issue UX, no real way to slice it. We transform the same underlying CDR data into interactive dashboards — 24 years of history for every FDIC-insured bank, searchable in seconds.

The metrics that matter haven't changed: ROA, ROE, Net Interest Margin, NPL ratios, CET1 and Tier 1 leverage. These are the same inputs behind a CAMELS rating — you're just looking at them the way examiners do.

Call Reports

Understanding bank Call Reports.

Every FDIC-insured bank in the US files a quarterly Report of Condition and Income — FFIEC 031, 041, or 051. It's comprehensive: balance sheets, income statements, loan portfolios, deposit breakdowns, capital positions, risk exposures.

This is the data that keeps the banking system transparent. Investors use it to pick stocks. Acquirers use it in due diligence. Risk officers use it for compliance monitoring. The problem has always been the shape of the raw filings: hundreds of fields per bank, per quarter, across three forms.

We distill that into clean visualizations. Track Texas Ratio trends, benchmark CET1 against peer groups, compare NPL ratios across asset tiers, export a tearsheet — without writing SQL or renting an expensive data feed.

Who's on the platform

Bankers, analysts, acquirers, regulators.

Community Bankers

Benchmark performance against size- and geography-matched peers. Walk into board meetings and regulatory exams with current UBPR data already framed up.

Investors & Analysts

Screen bank stocks on fundamentals. Catch undervalued institutions or emerging credit risk before it shows up in the tape.

M&A Advisors

Run due diligence with 24+ years of financial history. Compare target-bank metrics against industry medians and acquirer profiles in minutes.

Risk & Compliance

Monitor CRE concentration, capital adequacy, and liquidity. Keep an eye on regulatory thresholds and the Texas Ratio as an early warning.

By the numbers

Complete coverage, zero friction.

Every bank. Every quarter. Free to start. The platform does the heavy lifting so you can go straight to the analysis.

Coverage
Every·
FDIC-insured bank
History
24yrs
Quarterly since 2001
Metrics
100+
UBPR · Call Report · CAMELS
Entry
Free·
No credit card required

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