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.
Bank Financial Analysis: A Practical Framework
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
Bank Regulatory Data Analysis: Getting More From Benchmarks
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
Nonperforming Loan Ratio: Bank Data Analysis in Python
Most U.S. banks carry NPL ratios well under 2%; the right tail flags asset-quality stress.
NCUA 5300 Call Report: A Practical Guide for Analysts
Net worth ratios across federally insured credit unions (NCUA 5300).
MDRM Codes Explained: What Community Bankers Should Know
Your examiner walks in with a spreadsheet showing your net interest margin sitting 40 basis points below peer. They pulled that peer data from …
Interest Rate Risk: Key Metrics and Regulatory Data
If you have sat in an ALCO meeting since 2022, you know what the rate shock felt like from the inside. Net interest margins …
Net Interest Margin: Community Bank Benchmarks and Trends
The median net interest margin for community banks in the $1B–$10B asset range sat at roughly 3.3–3.5% entering 2025 and rose to about 3.7% …
FFIEC Call Report Data: What It Contains and How to Use It
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
FFIEC Data Quality: Unit and Schema Inconsistencies
A community bank CFO runs the same NIM calculation every quarter for three years. One quarter, the number comes back at 340% instead of …
Why FFIEC CDR Bulk Data Falls Short for Bank Peer Analysis
A community bank CFO pulling together an ALCO package has a reasonable expectation that publicly reported Call Report data should produce consistent peer benchmarks. …