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.
Community Banking Trends: What the Regulatory Data Shows
The 2022–2024 rate cycle is over, but its effects are still running through community bank balance sheets in ways that differ significantly from what …
Pulling CET1 From Schedule RC-R: AOCI, Deductions, Peers
If you have sat through a bank regulatory exam, built a capital stress model, or tried to benchmark a community bank's capital position against …
CECL vs. ALLL: What Expected Credit Loss Means for Reserves
Walk into any community bank credit committee today and you will find at least one person who still calls it the ALLL. That is …
Call Report Schedule RC Explained: Balance Sheet Line Items
If you have spent time building bank models, preparing for regulatory exams, or reconciling regulatory filings against financial statements, you already know that Schedule …
How to Build a Bank Financial Screener in Python
The FFIEC 041 bulk download for a single quarter is a set of tab-delimited files with 2,300+ columns keyed by MDRM codes like RCON2170 …
Bank Valuation: Price-to-Book and Earnings Metrics
As of early 2025, most community banks trading in M&A transactions were changing hands at 1.2–1.6× tangible book value. A year earlier, that range …
Why Bank Regulatory Data Is Harder to Use Than You Think
Your ALCO package is due Friday. You want to show the board how your cost of deposits compares to fifteen peers, a straightforward ask. …
Community Bank Peer Benchmarks for ALCO and Exam Prep
This is the benchmark companion to Bank Peer Group Analysis: A Step-by-Step Guide. That post explains the mechanics. This one gives the community bank …
Bank Acquisition Pricing: Deal Multiples and Benchmarks
This is the benchmark companion to Bank M&A Analysis: How to Evaluate a Deal from Call Reports. That post is the method. This one …
Bank Liquidity Risk: Key Metrics and How to Monitor Them
Silicon Valley Bank's collapse unfolded in 48 hours. The balance sheet had looked reasonable on paper for quarters. The failure was not a credit …