Ground your CECL allowance in real peer data.
Benchmark your allowance coverage against any peer group, track decades of charge-off history, and document your reserve with the same FFIEC data your examiner reads.
What is CECL?
The Current Expected Credit Losses (CECL) standard requires banks to reserve for the lifetime expected losses on a loan from the moment it's originated, rather than waiting until a loss is probable. Phased in for most institutions between 2020 and 2023, it replaced the decades-old incurred-loss model and reshaped how the allowance for credit losses (ACL) is estimated, reported, and examined.
A defensible CECL estimate leans on more than a model output — it needs peer context and a credible loss history. Both live in the FFIEC call report, and both are what BankRegReports makes instantly comparable.
How BankRegReports supports CECL analysis
Allowance coverage benchmarking
Compare your ACL-to-loans coverage against a custom peer group, so you can see whether your reserve is conservative, in line, or light relative to comparable banks.
Decades of loss history
Net charge-off and recovery rates by loan category back to Q4 2001 — the historical loss experience that anchors a lifetime-loss estimate through a full credit cycle.
Examiner-ready documentation
Export peer comparisons and trend tables that support the qualitative (Q-factor) adjustments and back up your reserve in front of auditors and examiners.
Key metrics for CECL work
Start with the ratios that drive allowance adequacy. Each links to a full definition, formula, and supervisory thresholds in our glossary:
- Allowance & asset-quality metrics — coverage ratios, noncurrent loans, and net charge-off rates, all defined with worked examples.
- Peer comparison — benchmark coverage and credit quality against the institutions most like yours.
- Rankings — see where reserve and credit-quality measures sit across the industry.
Build a defensible reserve
Peer-benchmarked allowance analysis on every FDIC-insured bank, back to 2001.