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 Holding Company Analysis for Community Banks
Most community bank CFOs can quote their Call Report capital ratios from memory. Fewer can say, without checking, whether those ratios match what the …
Bank Failure Prediction: Early Warning Signs in the Data
Silicon Valley Bank's held-to-maturity unrealized losses (roughly $15 billion against a $16 billion equity base) appeared in each of its 2022 Call Reports. The …
Bank Capital Adequacy Analysis: A Regulatory Data Approach
Capital adequacy analysis sounds straightforward on paper: pull the ratios, compare to minimums, flag the outliers. Anyone who has actually sat in an ALCO …
ALCO Data Requirements for Asset-Liability Management
Every ALCO meeting eventually hits the same wall: someone pulls a number from a spreadsheet, someone else pulls a different number from the core …
The BankRegReports Data API: Complete Guide and Origin Story
The first time you sit down to pull bank financial data for a real project, you run into a wall that nobody warns you …
Yield on Earning Assets: What It Is and How to Calculate It
In Q4 2022, the average yield on earning assets across U.S. community banks sat around 4.3%. By Q4 2023 it had climbed to roughly …
Bank Charter Types: National vs. State, and Why It Matters
Of the roughly 3,800 FDIC-insured commercial banks operating today, about 665 hold national charters. The other 3,100-plus are state-chartered, either members of the Federal …
Proxying the 30-Day Liquidity Test at a Community Bank
Silicon Valley Bank entered 2023 with roughly $91 billion in held-to-maturity securities carrying about $15 billion of unrealized losses, making the buffer functionally illiquid …
Bank Holding Companies Explained: Structure and Regulation
Holding companies with $3 billion or more in assets file the FR Y-9C with the Federal Reserve, roughly 350 to 400 of them. Smaller …
FDIC Insurance Limit: How the $250,000 Coverage Works
The FDIC insurance limit is $250,000 per depositor, per insured bank, for each account ownership category. Because the categories are insured separately, one person …