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 at Community Banks: The 300% Test
Picture a community bank whose CRE book is flat for two years while its CRE-to-capital ratio climbs anyway. It made no new CRE loans; …
How Bank Examiners Score Banks: CAMELS in the Data
If you have sat through a regulatory exam (or spent time preparing management responses to examiner findings), you already know that how bank examiners …
Yield Curve and Bank Profitability: A Data-Driven Analysis
If you have sat in an ALCO meeting during a rate cycle, you already know the yield curve is not an abstraction. It is …
Why We Built BankRegReports: The Bank Data Problem
Picture a Wednesday afternoon before the board ALCO meeting. Your treasurer pulls the NIM trend from one source. The CFO has deposit cost comparisons …
Wholesale Funding and Community Bank Liquidity Risk
When brokered CDs start repricing faster than your loan book earns through, the ALCO room gets quiet in a specific way. Every treasurer at …
Community Bank Trend Analysis: What the Charts Show
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
UBPR Data: Formulas, Bulk Files and Why Ratios Disagree
If you have ever sat in an ALCO meeting and argued about a peer comparison, or built a bank financial model from scratch, you …
SEC EDGAR for Bank Analysis: Linking Regulatory Data
Anyone who has spent time in a bank's finance or risk function knows the fundamental tension in financial analysis: the data you need lives …
How Rising Interest Rates Affect Bank Net Interest Margins
If you have sat in an ALCO meeting during a rate-hiking cycle, you already know the dynamic is messier than the textbook suggests. The …
Bank ROA in Regulatory Data: Which Income, Which Assets
Return on assets looks simple, which is exactly why it is so often misused. It shows up in every ALCO deck, every earnings release, …