Insights, analysis, and field notes.
Guides on banking data, walkthroughs of FFIEC and UBPR metrics, and commentary on what's moving inside the call report filings.
CRE Concentration Risk in Banking: A Data Analysis
Commercial Real Estate (CRE) concentration risk remains one of the most significant portfolio challenges facing U.S. banks, particularly community institutions. This analysis examines the …
Banking Financial Ratios: 30 Key Terms Defined
Master the essential financial ratios every bank analyst and community banker needs to know. This glossary covers 30 key metrics across profitability, asset quality, …
Is My Bank Safe? How to Check Bank Financial Health
After recent bank failures, millions of depositors ask: "Is my bank safe?" Learn how to verify FDIC protection, read the five key financial metrics …
How to Screen Bank Acquisition Targets Using Data
Bank mergers and acquisitions require a systematic approach. Learn how to use FFIEC call report data to screen potential acquisition targets, evaluate financial strength, …
How to Prepare for a Bank Examination Using Data
Bank examinations are a routine part of regulatory oversight, but preparation is key to demonstrating safety and soundness. This guide walks you through the …
CAMELS Rating System: What Each Component Measures
Every FDIC-insured bank receives a CAMELS rating after examination. This composite score from 1 to 5 affects regulatory oversight, deposit insurance premiums, and growth …
UBPR: How to Read the FFIEC Uniform Bank Performance Report
The UBPR is the FFIEC's quarterly ratio, trend and peer-percentile report on every FDIC-insured bank, built from its call report. Any bank's UBPR is …
How to Read a Bank Call Report, Schedule by Schedule
A bank call report is the quarterly financial statement every FDIC-insured bank must file with federal regulators. Learn what is inside, why it matters, …
NCUA 5300 Call Report: A Credit Union Analyst's Guide
There are about 4,400 federally insured credit unions in the United States, and exactly zero of them file a bank call report. They file …