The FFIEC Central Data Repository, explained
The CDR is where every U.S. bank files its quarterly Call Report. If you came here looking for the login, the useful thing to know first is that the login is for filers: reading published Call Report data needs no account.
What is the FFIEC?
The Federal Financial Institutions Examination Council (FFIEC) is the US interagency body that sets uniform examination standards and report forms for banks and credit unions. It was established in 1979 under the Financial Institutions Regulatory and Interest Rate Control Act of 1978. Its members are the Federal Reserve Board, the FDIC, the NCUA, the OCC, the CFPB and the State Liaison Committee, and it publishes the Call Report forms and the data banks file on them.
What the CDR is
CDR stands for Central Data Repository. It is the internet-based system the Federal Financial Institutions Examination Council (FFIEC) uses to collect, validate, manage and distribute bank Call Report data, operated jointly by the FDIC, the Federal Reserve Board and the OCC. Every national bank, state member bank and insured state nonmember bank submits its quarterly Call Report through it.
Filings arrive as XBRL, are run against the FFIEC's validation edits, and are then published. The same repository is the source the FFIEC derives the Uniform Bank Performance Report from.
The login is for filers, not for readers
This is the single most common point of confusion, and it is worth being blunt about: the CDR sign-in exists so bank staff and their authorized agents can submit and amend filings. Getting an account means being enrolled by your institution. It is not a data-access credential, and there is no version of it that gets a member of the public a better view of the numbers.
Published Call Report data is served from a separate, unauthenticated part of the system, Public Data Distribution, where individual institution reports and bulk quarterly files are posted without a login. So the two paths split cleanly:
- You work at a bank and need to file or amend a Call Report. You need a CDR account, and it comes from your institution's enrollment, not from a self-service signup.
- You want to read a bank's numbers. You need no account anywhere: not on the CDR, and not here. Search any bank and read its filings.
Why the raw repository is hard to use
The CDR is a filing system that happens to publish its contents, not a research tool, and it behaves like one. Bulk files land roughly 45 days after each report date. Line items are addressed by MDRM codes rather than names, so a figure as ordinary as total loans is an eight-character identifier whose meaning depends on which schedule and which form it sits on. Nothing is restated, benchmarked, or carried across quarters for you. Comparing one bank to another, or to itself a year ago, is work you do yourself after the download.
That is the gap this site fills. We take the same FFIEC filings, resolve the codes, align them across 26 years of quarters, and publish them as profiles you can read: raw line items next to the derived ratios, with peer benchmarks attached.
Related terms you will see alongside the CDR
- RSSD ID: the Federal Reserve identifier the CDR keys institutions on. See bank identifiers explained.
- MDRM code: the item identifier for a single Call Report line, such as an RCON or RCFD field. The call report code finder maps a plain-English description onto one.
- FFIEC 031 / 041 / 051: the three Call Report forms. Which one a bank files depends on its size and whether it has foreign offices.
- NCUA 5300: the credit union equivalent. Credit unions do not file into the CDR; their reports go to the NCUA.
Frequently asked questions
What is the FFIEC CDR?
The CDR is the Central Data Repository, the internet-based system the Federal Financial Institutions Examination Council uses to collect, validate, manage and distribute Call Report data. It is operated jointly by the FDIC, the Federal Reserve Board and the OCC, and it is the system of record every U.S. bank files its quarterly Call Report into.
Do I need a CDR login to see Call Report data?
No. The CDR login at cdr.ffiec.gov is for filers: bank staff and authorized agents who submit or amend a Call Report. Published Call Report data is served from a separate, unauthenticated part of the system called Public Data Distribution, and requires no account at all. Most people who search for a CDR login want the data, not the filing system.
What is the difference between the CDR and the UBPR?
The CDR is the collection system; the UBPR is an analytical product built from what it collects. Banks file raw Call Report line items into the CDR, and the FFIEC derives the Uniform Bank Performance Report from those filings as a set of ratios and peer-group percentiles.
Why can I not find my bank in the CDR?
Two common reasons. Credit unions do not file into the CDR at all: they file the NCUA 5300 Call Report to the National Credit Union Administration instead. And bulk Call Report files are published roughly 45 days after the report date, so the most recent quarter may not be posted yet even though the filing deadline has passed.
Keep reading
- What is a Call Report? The filing the CDR collects: who files it, on which form, and what is in it.
- Call report vs. UBPR: how the FFIEC turns CDR data into ratios and peer-group percentiles.
- Call report filing schedule: quarter-end dates, deadlines, and when data actually becomes available.
- Banking metrics glossary: definitions and formulas for the figures derived from these filings.
- Data coverage: exactly which filings and quarters are in the platform.
Read the data without the repository
Every bank that files into the CDR has a profile here: raw Call Report line items, derived ratios, and peer benchmarks. No account, no bulk download, no MDRM codes.