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.
FDIC Summary of Deposits: Branch Market Share Analysis
Every June 30, the FDIC takes a branch-level snapshot of deposit balances at every insured institution in the country. The resulting dataset, the FDIC …
FDIC Enforcement Actions: How to Track Bank Penalties
If you have ever sat through a regulatory exam exit meeting, you know the tone that follows a Matters Requiring Attention. The language is …
FDIC BankFind API vs BankRegAPI: Which Data Source to Use
If you have spent any time pulling bank financial data programmatically, you have most likely started with the FDIC BankFind Suite API. It is …
FDIC Bank Failure Data: What History Tells Us About Risk
Between 2008 and 2012, the FDIC closed 465 banks. At the peak, 2010 alone, 157 institutions failed, carrying about $92 billion in combined assets …
Efficiency Ratio Benchmarks by Asset Size: Community Banks
Where U.S. banks fall on the efficiency ratio (lower is better); most cluster in the 50-70% range.
Deposit Beta Analysis: Measuring Bank Rate Sensitivity
If you have sat through an ALCO meeting in the past few years, you have heard the term "deposit beta" more times than you …
Why FDIC, Call Report and Peer Data Differ for the Same Bank
Pull total assets for the same community bank from the FDIC BankFind suite, the FFIEC Call Report, and the UBPR, and you may get …
Comparing Credit Union and Bank Financials: What Changes
Your local credit union is competing directly for the same deposits and mortgage volume you are. In most community banking markets, one or two …
Credit Union Performance Analysis: Metrics and Benchmarks
NCUA data for Q1 2025 put the aggregate net worth ratio for federally insured credit unions at 10.95%, up from 10.61% a year earlier. …
Community Bank Risk Indicators: What to Watch
Community banks are not small versions of large banks. They carry concentrated loan books, thinner capital buffers, and balance sheets that move in lockstep …