Guides on banking data, walkthroughs of FFIEC and UBPR metrics, and commentary on what's moving inside the call report filings.
Net interest margin is the single most important measure of a bank's core profitability — the spread it earns between lending out money and paying for funding. Learn what NIM is, how it's calculated from call report data, what a healthy level …
The Texas Ratio is one of the simplest and most reliable early-warning signals for bank failure. Learn what it measures, how to calculate it …
Not all deposits are equally reliable. Brokered and uninsured deposits can flee a bank in days, as 2023 made painfully clear. Learn what these …
Capital is the cushion that stands between a bank and failure. This guide explains the four regulatory capital ratios — CET1, Tier 1 risk-based, …
Commercial Real Estate (CRE) concentration risk remains one of the most significant portfolio challenges facing U.S. banks, particularly community institutions. This analysis examines the …
Master the essential financial ratios every bank analyst and community banker needs to know. This glossary covers 30 key metrics across profitability, asset quality, …
After recent bank failures, millions of depositors ask: "Is my bank safe?" Learn how to verify FDIC protection, read the five key financial metrics …
Bank mergers and acquisitions require a systematic approach. Learn how to use Federal Reserve call report data to screen potential acquisition targets, evaluate financial …
Bank examinations are a routine part of regulatory oversight, but preparation is key to demonstrating safety and soundness. This guide walks you through the …
Every FDIC-insured bank receives a CAMELS rating after examination. This composite score from 1 to 5 affects regulatory oversight, deposit insurance premiums, and growth …