#UBPR
Articles tagged with "UBPR"
UBPR Peer Groups: Percentiles and Why Yours Changed
The UBPR compares your bank against a peer group, but the peer group is assigned by rule, changes as your bank changes, and the …
Bank Data API: FFIEC Call Report and UBPR Data
Getting regulatory data for a single bank usually means a trip through the FFIEC Central Data Repository: bulk downloads, government-issue file formats, and a …
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 …
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 …
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 …
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 …
Noninterest Income: Benchmarks, Examiner Focus, and Fee Mix
Across community banks in aggregate, noninterest income accounts for roughly 15–20% of total revenue; at the median community bank it is closer to 10%. …
Core Bank Earnings Before Credit Costs: A Worked Analysis
Pre-provision net revenue is the metric that separates credit-cycle noise from franchise performance. This post is the worked analysis; the glossary entry carries the …
How to Read a Bank Balance Sheet (Schedule RC)
At the end of 2022, the banking industry's aggregate AOCI balance swung to negative $326 billion, about -14.7% of total reported equity, after touching …