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23%"]}],"coverage":0.923,"snapshot":{"rotce":18.2229,"nim":3.1073,"efficiency":52.8324,"cet1":12.2271,"dep_cost":1.4904,"nco":0.3511},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":16.3,"nim_reported":2.43,"eq_efficiency":62.8395,"cet1_hc":10.03,"eq_nco_rate":0.3782},"2026Q2":{"rotce_reported":17.7,"nim_reported":2.43,"eq_efficiency":60.3881,"cet1_hc":10.26,"eq_nco_rate":0.3422}},"ticker":"WFC","cik":"0000072971","rssd":"1120754","charterShare":0.841,"outOfScope":["BCS"]},{"slug":"goldman-sachs","name":"Goldman Sachs","short":"GS","certs":[33124],"assets":2127711000000,"archetype":"ib","filer":"sec","suggested":[{"slug":"morgan-stanley","score":0.934,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both investment-bank-led G-SIBs","Similar size: $1.7T vs your $2.1T"],"proxy":true},{"slug":"wells-fargo","score":0.799,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $2.3T vs your $2.1T","Same regime: U.S. G-SIB, Category I"],"proxy":true},{"slug":"citigroup","score":0.78,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $2.9T vs your $2.1T","Similar fee mix (78% overlap): trading 63% vs your 64% of fees"],"proxy":true},{"slug":"bank-of-america","score":0.77,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $3.5T vs your $2.1T","Same regime: U.S. G-SIB, Category I"],"proxy":true},{"slug":"jpmorgan-chase","score":0.743,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $5.0T vs your $2.1T","Similar fee weight: fees 43% of revenue vs your 43%"],"proxy":true},{"slug":"bny","score":0.504,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Same regime: U.S. G-SIB, Category I","Neither relies on a branch network"],"proxy":true}],"coverage":0.861,"snapshot":{"rotce":15.59,"nim":1.8468,"efficiency":37.6941,"cet1":13.4778,"dep_cost":3.4339,"nco":0.427},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":20.5,"nim_reported":null,"eq_efficiency":60.5386,"cet1_hc":12.4,"eq_nco_rate":null},"2026Q2":{"rotce_reported":25.5,"nim_reported":0.8,"eq_efficiency":57.395,"cet1_hc":12.9,"eq_nco_rate":0.2856}},"ticker":"GS","cik":"0000886982","rssd":"2380443","charterShare":0.357,"levelWarning":"Bank charter is a minority of the group. Tier A metrics describe the charter, not the firm: use holding-level metrics to compare the whole firm.","outOfScope":["BCS","DB"]},{"slug":"us-bancorp","name":"U.S. Bancorp","short":"USB","certs":[6548],"assets":725918000000,"archetype":"superRegional","filer":"sec","suggested":[{"slug":"pnc","score":0.971,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Similar size: $616B vs your $726B"],"proxy":true},{"slug":"truist","score":0.951,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Similar size: $556B vs your $726B"],"proxy":true},{"slug":"fifth-third","score":0.89,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Same Category III"],"proxy":true},{"slug":"huntington","score":0.822,"reasons":["Names you in its 2026 proxy peer group","Both super-regionals","Same Category III"]},{"slug":"wells-fargo","score":0.81,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Overlaps 18 of your top 20 markets (Los Angeles, Minneapolis, Chicago)"],"proxy":true},{"slug":"keycorp","score":0.777,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 30% of revenue vs your 41%","Similar loan mix (79% overlap): first-lien resi 19% vs your 30%"],"proxy":true},{"slug":"bmo","score":0.765,"reasons":["Both super-regionals","Same Category III","Overlaps 17 of your top 20 markets (Los Angeles, Minneapolis, Chicago)"]},{"slug":"citizens","score":0.758,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (79% overlap): first-lien resi 25% vs your 30%","Similar deposit franchise: noninterest-bearing 19% of assets vs your 12%, uninsured 47% vs 53%"],"proxy":true},{"slug":"regions","score":0.751,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (84% overlap): first-lien resi 22% vs your 30%","Similar fee weight: fees 32% of revenue vs your 41%"],"proxy":true},{"slug":"td-bank","score":0.716,"reasons":["Both super-regionals","Similar size: $375B vs your $726B","Same Category III"]}],"coverage":0.898,"snapshot":{"rotce":16.4437,"nim":2.8821,"efficiency":53.8419,"cet1":12.9063,"dep_cost":1.7836,"nco":0.5254},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":18.5,"nim_reported":2.84,"eq_efficiency":56.5299,"cet1_hc":10.8,"eq_nco_rate":0.5068},"2026Q2":{"rotce_reported":18.7,"nim_reported":2.79,"eq_efficiency":57.6112,"cet1_hc":10.8,"eq_nco_rate":0.5293}},"ticker":"USB","cik":"0000036104","rssd":"1119794","events":[{"period":"2022Q4","label":"Acquired MUFG Union Bank (charter merged 2023-05-26)","kind":"merger"}],"charterShare":0.972},{"slug":"morgan-stanley","name":"Morgan Stanley","short":"MS","certs":[32992,34221],"assets":1675057000000,"archetype":"ib","filer":"sec","suggested":[{"slug":"goldman-sachs","score":0.934,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both investment-bank-led G-SIBs","Similar size: $2.1T vs your $1.7T"],"proxy":true},{"slug":"wells-fargo","score":0.806,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $2.3T vs your $1.7T","Same regime: U.S. G-SIB, Category I"],"proxy":true},{"slug":"bank-of-america","score":0.768,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $3.5T vs your $1.7T","Same regime: U.S. G-SIB, Category I"],"proxy":true},{"slug":"citigroup","score":0.756,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $2.9T vs your $1.7T","Same regime: U.S. G-SIB, Category I"],"proxy":true},{"slug":"jpmorgan-chase","score":0.724,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 43% of revenue vs your 45%","Same regime: U.S. G-SIB, Category I"],"proxy":true},{"slug":"charles-schwab","score":0.622,"reasons":["Names you in its 2026 proxy peer group","Both wealth and brokerage banks","Neither relies on a branch network"]}],"coverage":0.811,"snapshot":{"rotce":14.4751,"nim":1.5332,"efficiency":33.9729,"cet1":19.7889,"dep_cost":2.3653,"nco":0.0202},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":22.6,"nim_reported":null,"eq_efficiency":67.4206,"cet1_hc":14.9,"eq_nco_rate":null},"2026Q2":{"rotce_reported":26.6,"nim_reported":null,"eq_efficiency":65.1209,"cet1_hc":14.9,"eq_nco_rate":0.0464}},"ticker":"MS","cik":"0000895421","rssd":"2162966","events":[{"period":"2022Q1","label":"E*TRADE Bank merged into Morgan Stanley Private Bank (2022-01-01)","kind":"merger","charterOnly":true},{"period":"2026Q1","label":"Group reorganized into Morgan Stanley Bank, N.A. Charter assets jumped with no acquisition.","kind":"merger","charterOnly":true}],"charterShare":0.4,"levelWarning":"Two bank charters hold a minority of the group. Tier A metrics describe the charters, not the firm: use holding-level metrics to compare the whole firm."},{"slug":"capital-one","name":"Capital One","short":"COF","certs":[4297],"assets":673835000000,"archetype":"card","filer":"sec","suggested":[{"slug":"american-express","score":0.854,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both card and consumer finance","Similar size: $308B vs your $674B"],"proxy":true},{"slug":"synchrony","score":0.76,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both card and consumer finance","Similar balance sheet: loans 77%, securities 5% of assets vs your 66%, 14%"],"proxy":true},{"slug":"ally","score":0.731,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 24% of revenue vs your 19%","Similar deposit franchise: noninterest-bearing 0% of assets vs your 4%, uninsured 10% vs 21%"],"proxy":true},{"slug":"usaa","score":0.633,"reasons":["Similar loan mix (62% overlap): card 40% vs your 55%","Similar fee weight: fees 27% of revenue vs your 19%"]},{"slug":"citigroup","score":0.618,"reasons":["You name it in your 2026 proxy peer group","Overlaps 2 of your top 20 markets (New York, Washington)"],"proxy":true},{"slug":"jpmorgan-chase","score":0.591,"reasons":["You name it in your 2026 proxy peer group","Overlaps 18 of your top 20 markets (New York, Washington, New Orleans)"],"proxy":true}],"coverage":0.865,"snapshot":{"rotce":21.854,"nim":8.5352,"efficiency":51.1498,"cet1":13.2069,"dep_cost":2.7954,"nco":3.2181},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":21.12,"nim_reported":8.41,"eq_efficiency":54.185,"cet1_hc":13.8,"eq_nco_rate":2.7148},"2026Q2":{"rotce_reported":18.04,"nim_reported":8.01,"eq_efficiency":57.0536,"cet1_hc":13.7,"eq_nco_rate":3.2197}},"ticker":"COF","cik":"0000927628","rssd":"2277860","events":[{"period":"2022Q4","label":"Capital One Bank (USA) merged into Capital One, N.A. 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of assets vs your 18%, uninsured 49% vs 45%"],"proxy":true},{"slug":"bmo","score":0.794,"reasons":["Both super-regionals","Same Category III","Similar loan mix (82% overlap): C&I 32% vs your 32%"]},{"slug":"regions","score":0.789,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (81% overlap): C&I 28% vs your 32%","Similar fee weight: fees 32% of revenue vs your 33%"],"proxy":true}],"coverage":0.846,"snapshot":{"rotce":16.3944,"nim":3.1919,"efficiency":60.8943,"cet1":11.195,"dep_cost":1.4585,"nco":0.2465},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":18.28,"nim_reported":2.94,"eq_efficiency":57.1625,"cet1_hc":9.8,"eq_nco_rate":0.2753},"2026Q2":{"rotce_reported":17.88,"nim_reported":2.96,"eq_efficiency":59.6073,"cet1_hc":9.9,"eq_nco_rate":0.2481}},"ticker":"PNC","cik":"0000713676","rssd":"1069778","events":[{"period":"2026Q1","label":"Acquired FirstBank (charter merged 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23%","Similar deposit franchise: noninterest-bearing 23% of assets vs your 19%, uninsured 49% vs 45%"],"proxy":true},{"slug":"regions","score":0.828,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (89% overlap): C&I 28% vs your 23%","Overlaps 10 of your top 20 markets (Atlanta, Miami, Tampa)"],"proxy":true},{"slug":"citizens","score":0.818,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 25% of revenue vs your 24%","Similar deposit franchise: noninterest-bearing 19% of assets vs your 19%, uninsured 47% vs 45%"],"proxy":true},{"slug":"td-bank","score":0.807,"reasons":["Both super-regionals","Similar size: $375B vs your $556B","Same Category III"]},{"slug":"keycorp","score":0.796,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 30% of revenue vs your 24%","Similar balance sheet: loans 59%, securities 25% of assets vs your 60%, 21%"],"proxy":true},{"slug":"bmo","score":0.795,"reasons":["Both super-regionals","Same Category III","Similar loan mix (84% overlap): C&I 32% vs your 23%"]}],"coverage":0.915,"snapshot":{"rotce":14.0618,"nim":3.137,"efficiency":54.0028,"cet1":12.1074,"dep_cost":1.6071,"nco":0.4992},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":7.2,"nim_reported":3,"eq_efficiency":82.8663,"cet1_hc":10.7,"eq_nco_rate":0.7697},"2026Q2":{"rotce_reported":15.4,"nim_reported":2.98,"eq_efficiency":58.0247,"cet1_hc":10.9,"eq_nco_rate":0.5026}},"ticker":"TFC","cik":"0000092230","rssd":"1074156","charterShare":0.986},{"slug":"bny","name":"BNY","short":"BNY","certs":[639,7946,23472,24867],"assets":525019000000,"archetype":"custody","filer":"sec","suggested":[{"slug":"state-street","score":0.932,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both trust and custody banks","Similar size: $418B vs your $525B"],"proxy":true},{"slug":"northern-trust","score":0.853,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both trust and custody banks","Fiduciary-heavy: 14x vs your 13x of bank assets under administration"],"proxy":true},{"slug":"charles-schwab","score":0.662,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $517B vs your $525B","Neither relies on a branch network"],"proxy":true},{"slug":"morgan-stanley","score":0.577,"reasons":["You name it in your 2026 proxy peer group","Similar loan mix (74% overlap): first-lien resi 26% vs your 16%","Neither relies on a branch network"],"proxy":true},{"slug":"wells-fargo","score":0.53,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy"],"proxy":true},{"slug":"citigroup","score":0.52,"reasons":["You name it in your 2026 proxy peer group","Similar deposit franchise: noninterest-bearing 9% of assets vs your 21%, uninsured 82% vs 95%"],"proxy":true},{"slug":"goldman-sachs","score":0.504,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Neither relies on a branch network"],"proxy":true},{"slug":"raymond-james","score":0.502,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (81% overlap): first-lien resi 20% vs your 16%","Neither relies on a branch network"],"proxy":true}],"coverage":0.893,"snapshot":{"rotce":27.2875,"nim":1.4056,"efficiency":56.9329,"cet1":14.9466,"dep_cost":1.4906,"nco":-0.0055},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":29,"nim_reported":1.43,"eq_efficiency":61.4693,"cet1_hc":11,"eq_nco_rate":null},"2026Q2":{"rotce_reported":31.3,"nim_reported":1.45,"eq_efficiency":60.3545,"cet1_hc":11,"eq_nco_rate":-0.0042}},"ticker":"BNY","cik":"0001390777","rssd":"3587146","charterShare":0.871,"outOfScope":["AMP","BLK","BEN","TROW","IVZ"]},{"slug":"state-street","name":"State Street","short":"STT","certs":[14],"assets":418381000000,"archetype":"custody","filer":"sec","suggested":[{"slug":"bny","score":0.932,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both trust and custody banks","Similar size: $525B vs your $418B"],"proxy":true},{"slug":"northern-trust","score":0.794,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both trust and custody banks","Similar size: $179B vs your $418B"],"proxy":true},{"slug":"charles-schwab","score":0.527,"reasons":["Names you in its 2026 proxy peer group","Similar size: $517B vs your $418B"]}],"coverage":0.825,"snapshot":{"rotce":21.9981,"nim":1.2459,"efficiency":61.5624,"cet1":14.7167,"dep_cost":1.9226,"nco":0.0236},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":25.1,"nim_reported":1.12,"eq_efficiency":65.4346,"cet1_hc":11,"eq_nco_rate":null},"2026Q2":{"rotce_reported":25.5,"nim_reported":1.13,"eq_efficiency":65.6868,"cet1_hc":10.8,"eq_nco_rate":0.0237}},"ticker":"STT","cik":"0000093751","rssd":"1111435","charterShare":0.986},{"slug":"td-bank","name":"TD Bank (US)","short":"TD 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Philadelphia, Boston)"]},{"slug":"us-bancorp","score":0.741,"reasons":["Both super-regionals","Same Category III","Similar loan mix (71% overlap): first-lien resi 30% vs your 21%"]},{"slug":"citizens","score":0.724,"reasons":["Overlaps 15 of your top 20 markets (New York, Philadelphia, Boston)","Similar size: $234B vs your $375B","Similar deposit franchise: noninterest-bearing 19% of assets vs your 16%, uninsured 47% vs 34%"]},{"slug":"m-and-t","score":0.708,"reasons":["Overlaps 16 of your top 20 markets (New York, Philadelphia, Boston)","Similar loan mix (69% overlap): first-lien resi 18% vs your 21%"]},{"slug":"first-citizens","score":0.669,"reasons":["Similar size: $237B vs your $375B","Similar deposit franchise: noninterest-bearing 18% of assets vs your 16%, uninsured 37% vs 34%"]}],"coverage":0.82,"snapshot":{"rotce":8.7624,"nim":3.5468,"efficiency":64.9009,"cet1":16.973,"dep_cost":1.6945,"nco":0.6646},"opens":"2026Q2","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":null,"cet1_hc":null,"eq_nco_rate":null},"2026Q2":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":67.4082,"cet1_hc":14.0003,"eq_nco_rate":0.6265}},"ticker":"TD","cik":"0000947263","rssd":"1238565"},{"slug":"fifth-third","name":"Fifth Third","short":"FITB","certs":[6672],"assets":300180000000,"archetype":"superRegional","filer":"sec","suggested":[{"slug":"huntington","score":1,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Same Category III"],"proxy":true},{"slug":"pnc","score":0.97,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Same Category III"],"proxy":true},{"slug":"truist","score":0.965,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Same Category III"],"proxy":true},{"slug":"keycorp","score":0.905,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (77% overlap): C&I 33% vs your 39%","Similar fee weight: fees 30% of revenue vs your 31%"],"proxy":true},{"slug":"m-and-t","score":0.9,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $220B vs your $300B","Similar loan mix (77% overlap): C&I 24% vs your 39%"],"proxy":true},{"slug":"regions","score":0.895,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 32% of revenue vs your 31%","Overlaps 8 of your top 20 markets (Indianapolis, Dallas, Charlotte)"],"proxy":true},{"slug":"citizens","score":0.893,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $234B vs your $300B","Similar deposit franchise: noninterest-bearing 19% of assets vs your 22%, uninsured 47% vs 44%"],"proxy":true},{"slug":"us-bancorp","score":0.89,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Same Category III"],"proxy":true},{"slug":"first-citizens","score":0.878,"reasons":["You name it in your 2026 proxy peer group","Similar size: $237B vs your $300B","Overlaps 7 of your top 20 markets (Los Angeles, Charlotte, Tampa)"],"proxy":true},{"slug":"bmo","score":0.874,"reasons":["Both super-regionals","Same Category III","Similar size: $255B vs your $300B"]}],"coverage":0.844,"snapshot":{"rotce":13.8813,"nim":3.6477,"efficiency":59.6086,"cet1":11.7004,"dep_cost":1.4975,"nco":0.3025},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":16.6,"nim_reported":3.34,"eq_efficiency":62.4886,"cet1_hc":10.02,"eq_nco_rate":0.3099},"2026Q2":{"rotce_reported":15.6,"nim_reported":3.36,"eq_efficiency":64.4166,"cet1_hc":9.93,"eq_nco_rate":0.3044}},"ticker":"FITB","cik":"0000035527","rssd":"1070345","events":[{"period":"2026Q1","label":"Absorbed Comerica Bank (2026-02-01)","kind":"merger"}],"charterShare":0.997},{"slug":"charles-schwab","name":"Charles Schwab","short":"SCHW","certs":[57450,33497,59108],"assets":517266000000,"archetype":"wealth","filer":"sec","suggested":[{"slug":"raymond-james","score":0.723,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both wealth and brokerage banks","Similar loan mix (66% overlap): first-lien resi 20% vs your 49%"],"proxy":true},{"slug":"northern-trust","score":0.683,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (64% overlap): first-lien resi 13% vs your 49%"],"proxy":true},{"slug":"ubs-bank-usa","score":0.665,"reasons":["Both wealth and brokerage banks","Similar loan mix (86% overlap): first-lien resi 35% vs your 49%"]},{"slug":"morgan-stanley","score":0.662,"reasons":["You name it in your 2026 proxy peer group","Similar loan mix (64% overlap): first-lien resi 26% vs your 49%","Both hold most assets outside the bank: charter is 40% of group vs your 56%"],"proxy":true},{"slug":"bny","score":0.662,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $525B vs your $517B","Similar loan mix (67% overlap): first-lien resi 16% vs your 49%"],"proxy":true},{"slug":"american-express","score":0.586,"reasons":["Similar size: $308B vs your $517B","Same Category III","Similar deposit franchise: almost no noninterest-bearing deposits, uninsured 18% vs your 17%"]}],"coverage":0.783,"snapshot":{"rotce":19.1716,"nim":2.2597,"efficiency":17.3483,"cet1":32.1048,"dep_cost":0.2851,"nco":0},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":44,"nim_reported":3.04,"eq_efficiency":47.3295,"cet1_hc":null,"eq_nco_rate":null},"2026Q2":{"rotce_reported":44,"nim_reported":3,"eq_efficiency":48.1193,"cet1_hc":24.4,"eq_nco_rate":0}},"ticker":"SCHW","cik":"0000316709","rssd":"1026632","charterShare":0.557,"levelWarning":"Bank charters hold part of the group and fees sit largely outside them. Tier A metrics describe the charters, not the firm: use holding-level metrics to compare the whole firm.","outOfScope":["AMP","BLK","BEN","TROW","LPL","MA","PYPL","V"]},{"slug":"huntington","name":"Huntington","short":"HBAN","certs":[6560],"assets":283984000000,"archetype":"superRegional","filer":"sec","suggested":[{"slug":"fifth-third","score":1,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Overlaps 14 of your top 20 markets (Detroit, Cleveland, Columbus)"],"proxy":true},{"slug":"pnc","score":0.948,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both super-regionals","Same Category III"],"proxy":true},{"slug":"truist","score":0.941,"reasons":["You name it in your 2026 proxy peer group","Both super-regionals","Same Category III"],"proxy":true},{"slug":"keycorp","score":0.922,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 11 of your top 20 markets (Detroit, Cleveland, Columbus)","Similar loan mix (81% overlap): C&I 33% vs your 28%"],"proxy":true},{"slug":"citizens","score":0.915,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $234B vs your $284B","Similar fee weight: fees 25% of revenue vs your 22%"],"proxy":true},{"slug":"regions","score":0.907,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 6 of your top 20 markets (Indianapolis, MS non, Houston)","Similar loan mix (84% overlap): C&I 28% vs your 28%"],"proxy":true},{"slug":"m-and-t","score":0.905,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (86% overlap): C&I 24% vs your 28%","Similar size: $220B vs your $284B"],"proxy":true},{"slug":"us-bancorp","score":0.862,"reasons":["You name it in your 2026 proxy peer group","Both super-regionals","Same Category III"],"proxy":true},{"slug":"bmo","score":0.86,"reasons":["Both super-regionals","Same Category III","Similar size: $255B vs your $284B"]},{"slug":"first-citizens","score":0.822,"reasons":["Similar size: $237B vs your $284B","Similar deposit franchise: noninterest-bearing 18% of assets vs your 16%, uninsured 37% vs 32%","Similar balance sheet: loans 63%, securities 18% of assets vs your 66%, 18%"]}],"coverage":0.842,"snapshot":{"rotce":13.945,"nim":3.3916,"efficiency":58.2047,"cet1":11.8181,"dep_cost":1.8533,"nco":0.2502},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":14.6,"nim_reported":3.25,"eq_efficiency":63.4898,"cet1_hc":10.1,"eq_nco_rate":0.3067},"2026Q2":{"rotce_reported":15.1,"nim_reported":3.21,"eq_efficiency":63.7645,"cet1_hc":10,"eq_nco_rate":0.2517}},"ticker":"HBAN","cik":"0000049196","rssd":"1068191","events":[{"period":"2025Q4","label":"Absorbed Veritex Community Bank (2025-10-20)","kind":"merger"},{"period":"2026Q1","label":"Absorbed Cadence Bank (2026-02-01)","kind":"merger"}],"charterShare":0.997},{"slug":"bmo","name":"BMO (US)","short":"BMO US","certs":[16571,58216],"assets":254980962000,"archetype":"superRegional","filer":"foreign_parent","suggested":[{"slug":"fifth-third","score":0.899,"reasons":["Both super-regionals","Same Category III","Overlaps 7 of your top 20 markets (Chicago, Los Angeles, San Francisco)"]},{"slug":"huntington","score":0.885,"reasons":["Both super-regionals","Same Category III","Similar loan mix (87% overlap): C&I 28% vs your 32%"]},{"slug":"truist","score":0.82,"reasons":["Both super-regionals","Same Category III","Similar loan mix (84% overlap): C&I 23% vs your 32%"]},{"slug":"pnc","score":0.819,"reasons":["Both super-regionals","Same Category III","Overlaps 12 of your top 20 markets (Chicago, Milwaukee, San Francisco)"]},{"slug":"td-bank","score":0.812,"reasons":["Both super-regionals","Same Category III","Both U.S. subsidiaries of foreign parents"]},{"slug":"m-and-t","score":0.811,"reasons":["Similar loan mix (86% overlap): C&I 24% vs your 32%","Similar size: $220B vs your $255B","Similar deposit franchise: noninterest-bearing 23% of assets vs your 18%, uninsured 49% vs 53%"]},{"slug":"keycorp","score":0.81,"reasons":["Similar loan mix (86% overlap): C&I 33% vs your 32%","Similar size: $191B vs your $255B","Overlaps 3 of your top 20 markets (Indianapolis, Denver, Portland)"]},{"slug":"first-citizens","score":0.803,"reasons":["Overlaps 9 of your top 20 markets (Los Angeles, Milwaukee, San Francisco)","Similar size: $237B vs your $255B"]},{"slug":"regions","score":0.796,"reasons":["Similar loan mix (87% overlap): C&I 28% vs your 32%","Similar fee mix (85% overlap): deposit service charges 28% vs your 31% of fees","Similar balance sheet: loans 62%, securities 21% of assets vs your 55%, 25%"]},{"slug":"citizens","score":0.791,"reasons":["Similar size: $234B vs your $255B","Similar deposit franchise: noninterest-bearing 19% of assets vs your 18%, uninsured 47% vs 53%"]}],"coverage":0.815,"snapshot":{"rotce":-8.7184,"nim":3.2971,"efficiency":114.5001,"cet1":14.9787,"dep_cost":1.7496,"nco":0.1961},"opens":"2026Q2","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":null,"cet1_hc":null,"eq_nco_rate":null},"2026Q2":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":111.2904,"cet1_hc":14.6498,"eq_nco_rate":0.1953}},"ticker":"BMO","cik":"0000927971","rssd":"1231333","events":[{"period":"2023Q1","label":"Absorbed Bank of the West (2023-02-02)","kind":"merger"}]},{"slug":"first-citizens","name":"First Citizens","short":"FCNCA","certs":[11063],"assets":236842000000,"archetype":"regional","filer":"sec","suggested":[{"slug":"keycorp","score":0.904,"reasons":["Names you in its 2026 proxy peer group","Both large regionals","Same Category IV"]},{"slug":"regions","score":0.893,"reasons":["Names you in its 2026 proxy peer group","Both large regionals","Same Category IV"]},{"slug":"m-and-t","score":0.879,"reasons":["Both large regionals","Same Category IV","Similar size: $220B vs your $237B"]},{"slug":"citizens","score":0.876,"reasons":["Both large regionals","Same Category IV","Similar size: $234B vs your $237B"]},{"slug":"pinnacle","score":0.873,"reasons":["Both large regionals","Same Category IV","Overlaps 9 of your top 20 markets (Raleigh, Charlotte, Columbia)"]},{"slug":"fifth-third","score":0.838,"reasons":["Names you in its 2026 proxy peer group","Overlaps 11 of your top 20 markets (Raleigh, NC non, Los Angeles)","Similar size: $300B vs your $237B"]},{"slug":"huntington","score":0.822,"reasons":["Similar size: $284B vs your $237B","Similar deposit franchise: noninterest-bearing 16% of assets vs your 18%, uninsured 32% vs 37%","Similar fee weight: fees 22% of revenue vs your 31%"]},{"slug":"bmo","score":0.778,"reasons":["Similar size: $255B vs your $237B","Overlaps 4 of your top 20 markets (Los Angeles, San Jose, San Diego)","Similar loan mix (79% overlap): NBFI 12% vs your 27%"]},{"slug":"hsbc","score":0.777,"reasons":["Both large regionals","Same Category IV"]},{"slug":"santander","score":0.775,"reasons":["Both large regionals","Similar size: $250B vs your $237B","Similar balance sheet: loans 60%, securities 20% of assets vs your 63%, 18%"]}],"coverage":0.927,"snapshot":{"rotce":11.2436,"nim":3.1499,"efficiency":65.102,"cet1":12.4138,"dep_cost":2.0405,"nco":0.2871},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":11.67,"nim_reported":3.07,"eq_efficiency":64.6527,"cet1_hc":10.24,"eq_nco_rate":0.2673},"2026Q2":{"rotce_reported":12.92,"nim_reported":3.1,"eq_efficiency":63.7747,"cet1_hc":10.77,"eq_nco_rate":0.2883}},"ticker":"FCNCA","cik":"0000798941","rssd":"1075612","events":[{"period":"2022Q1","label":"Absorbed CIT Bank (2022-01-04)","kind":"merger"},{"period":"2023Q1","label":"Bought Silicon Valley Bridge Bank from the FDIC (2023-03-27)","kind":"assisted"}],"charterShare":0.998},{"slug":"citizens","name":"Citizens","short":"CFG","certs":[57957],"assets":233836000000,"archetype":"regional","filer":"sec","suggested":[{"slug":"m-and-t","score":0.999,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Overlaps 13 of your top 20 markets (Boston, New York, Philadelphia)"],"proxy":true},{"slug":"keycorp","score":0.992,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"regions","score":0.964,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"huntington","score":0.915,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 3 of your top 20 markets (Pittsburgh, Detroit, Cleveland)","Similar fee weight: fees 22% of revenue vs your 25%"],"proxy":true},{"slug":"fifth-third","score":0.893,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 4 of your top 20 markets (Detroit, Cleveland, San Francisco)","Similar deposit franchise: noninterest-bearing 22% of assets vs your 19%, uninsured 44% vs 47%"],"proxy":true},{"slug":"first-citizens","score":0.876,"reasons":["Both large regionals","Same Category IV","Similar size: $237B vs your $234B"]},{"slug":"pinnacle","score":0.841,"reasons":["Both large regionals","Same Category IV","Similar fee weight: fees 20% of revenue vs your 25%"]},{"slug":"truist","score":0.818,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 24% of revenue vs your 25%","Similar loan mix (76% overlap): first-lien resi 18% vs your 25%"],"proxy":true},{"slug":"pnc","score":0.818,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 10 of your top 20 markets (Boston, New York, Philadelphia)","Similar deposit franchise: noninterest-bearing 18% of assets vs your 19%, uninsured 45% vs 47%"],"proxy":true},{"slug":"santander","score":0.797,"reasons":["Both large regionals","Overlaps 11 of your top 20 markets (Boston, New York, Philadelphia)","Similar size: $250B vs your $234B"]}],"coverage":0.92,"snapshot":{"rotce":13.0174,"nim":3.3029,"efficiency":59.2455,"cet1":11.9179,"dep_cost":1.5917,"nco":0.3677},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":15.08,"nim_reported":3.18,"eq_efficiency":59.9914,"cet1_hc":10.5,"eq_nco_rate":0.3706},"2026Q2":{"rotce_reported":13.91,"nim_reported":3.16,"eq_efficiency":61.06,"cet1_hc":10.4144,"eq_nco_rate":0.3709}},"ticker":"CFG","cik":"0000759944","rssd":"1132449","events":[{"period":"2022Q2","label":"Absorbed Investors Bank (2022-04-07)","kind":"merger"}],"charterShare":0.994},{"slug":"m-and-t","name":"M&T","short":"MTB","certs":[588,34069],"assets":219560076000,"archetype":"regional","filer":"sec","suggested":[{"slug":"keycorp","score":1,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Overlaps 12 of your top 20 markets (New York, Buffalo, Philadelphia)"],"proxy":true},{"slug":"citizens","score":0.999,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Overlaps 17 of your top 20 markets (New York, Buffalo, Philadelphia)"],"proxy":true},{"slug":"regions","score":0.975,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"huntington","score":0.905,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (86% overlap): C&I 28% vs your 24%","Similar size: $284B vs your $220B"],"proxy":true},{"slug":"fifth-third","score":0.9,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 31% of revenue vs your 27%","Similar deposit franchise: noninterest-bearing 22% of assets vs your 23%, uninsured 44% vs 49%"],"proxy":true},{"slug":"first-citizens","score":0.879,"reasons":["Both large regionals","Same Category IV","Similar size: $237B vs your $220B"]},{"slug":"pinnacle","score":0.864,"reasons":["Both large regionals","Same Category IV","Overlaps 1 of your top 20 markets (Washington)"]},{"slug":"truist","score":0.829,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (87% overlap): C&I 23% vs your 24%","Overlaps 7 of your top 20 markets (Baltimore, Philadelphia, Washington)"],"proxy":true},{"slug":"santander","score":0.815,"reasons":["Both large regionals","Overlaps 9 of your top 20 markets (New York, Philadelphia, Bridgeport)","Similar size: $250B vs your $220B"]},{"slug":"pnc","score":0.804,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 10 of your top 20 markets (New York, Baltimore, Philadelphia)","Similar fee weight: fees 33% of revenue vs your 27%"],"proxy":true}],"coverage":0.911,"snapshot":{"rotce":16.4803,"nim":3.8749,"efficiency":52.7027,"cet1":12.2007,"dep_cost":1.3664,"nco":0.2258},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":17.29,"nim_reported":3.65,"eq_efficiency":54.929,"cet1_hc":10.16,"eq_nco_rate":0.3528},"2026Q2":{"rotce_reported":18.57,"nim_reported":3.7,"eq_efficiency":53.278,"cet1_hc":10.1901,"eq_nco_rate":0.2261}},"ticker":"MTB","cik":"0000036270","rssd":"1037003","events":[{"period":"2022Q2","label":"Absorbed People's United Bank (2022-04-02)","kind":"merger"}],"charterShare":1},{"slug":"american-express","name":"American 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group"],"proxy":true},{"slug":"jpmorgan-chase","score":0.554,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy"],"proxy":true}],"coverage":0.784,"snapshot":{"rotce":41.0307,"nim":8.4098,"efficiency":72.8983,"cet1":10.862,"dep_cost":3.2391,"nco":2.4094},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":8.5,"eq_efficiency":72.5052,"cet1_hc":10.9,"eq_nco_rate":null},"2026Q2":{"rotce_reported":null,"nim_reported":8.1,"eq_efficiency":73.7485,"cet1_hc":10.4,"eq_nco_rate":2.226}},"ticker":"AXP","cik":"0000004962","rssd":"1275216","charterShare":0.694,"levelWarning":"A material share of the card network and fee business sits outside the charter. Tier A metrics describe the charter, not the firm: use holding-level metrics to compare the whole firm.","outOfScope":["BLK","MA","PYPL","V"]},{"slug":"santander","name":"Santander (US)","short":"SAN US","certs":[29950,18221],"assets":250433648000,"archetype":"regional","filer":"sec","suggested":[{"slug":"m-and-t","score":0.84,"reasons":["Both large regionals","Overlaps 17 of your top 20 markets (New York, Boston, Hartford)","Similar size: $220B vs your $250B"]},{"slug":"citizens","score":0.822,"reasons":["Both large regionals","Overlaps 16 of your top 20 markets (New York, Boston, Hartford)","Similar size: $234B vs your $250B"]},{"slug":"huntington","score":0.804,"reasons":["Same Category III","Similar loan mix (70% overlap): auto 8% vs your 17%","Similar size: $284B vs your $250B"]},{"slug":"first-citizens","score":0.8,"reasons":["Both large regionals","Similar size: $237B vs your $250B","Similar fee weight: fees 31% of revenue vs your 36%"]},{"slug":"fifth-third","score":0.8,"reasons":["Same Category III","Similar size: $300B vs your $250B","Similar loan mix (68% overlap): auto 9% vs your 17%"]},{"slug":"keycorp","score":0.796,"reasons":["Both large regionals","Similar fee weight: fees 30% of revenue vs your 36%","Overlaps 6 of your top 20 markets (New York, Hartford, Philadelphia)"]},{"slug":"td-bank","score":0.791,"reasons":["Overlaps 14 of your top 20 markets (New York, Boston, Hartford)","Similar loan mix (80% overlap): auto 17% vs your 17%","Same Category III"]},{"slug":"bmo","score":0.791,"reasons":["Same Category III","Both U.S. subsidiaries of foreign parents","Similar size: $255B vs your $250B"]},{"slug":"regions","score":0.788,"reasons":["Both large regionals","Similar fee weight: fees 32% of revenue vs your 36%","Similar deposit franchise: noninterest-bearing 25% of assets vs your 15%, uninsured 39% vs 34%"]},{"slug":"pinnacle","score":0.75,"reasons":["Both large regionals"]}],"coverage":0.876,"snapshot":{"rotce":11.2406,"nim":3.4459,"efficiency":47.567,"cet1":16.4335,"dep_cost":1.9848,"nco":0.3722},"opens":"2026Q2","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":null,"cet1_hc":null,"eq_nco_rate":null},"2026Q2":{"rotce_reported":null,"nim_reported":4.04,"eq_efficiency":56.7478,"cet1_hc":13.68,"eq_nco_rate":1.9107}},"cik":"0000811830","rssd":"1239254","events":[{"period":"2022Q1","label":"Webster absorbed Sterling National Bank (2022-02-01)","kind":"merger"},{"period":"2026Q3","label":"Absorbed Webster (closed 2026-08-20). Earlier periods are the sum of both charters.","kind":"merger","proForma":true}],"charterShare":0.758,"levelWarning":"Bank-level metrics sum Santander Bank and Webster at every period, since Webster closed on 2026-08-20. Holding-level metrics are Santander Holdings USA alone until it reports the merger, so do not read the two levels together."},{"slug":"keycorp","name":"KeyCorp","short":"KEY","certs":[17534],"assets":191317000000,"archetype":"regional","filer":"sec","suggested":[{"slug":"m-and-t","score":1,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"citizens","score":0.992,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"regions","score":0.988,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"first-citizens","score":0.944,"reasons":["You name it in your 2026 proxy peer group","Both large regionals","Same Category IV"],"proxy":true},{"slug":"huntington","score":0.922,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 7 of your top 20 markets (Cleveland, Pittsburgh, Denver)","Similar loan mix (81% overlap): C&I 28% vs your 33%"],"proxy":true},{"slug":"fifth-third","score":0.905,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 5 of your top 20 markets (Cleveland, Indianapolis, Akron)","Similar fee weight: fees 31% of revenue vs your 30%"],"proxy":true},{"slug":"pinnacle","score":0.869,"reasons":["Both large regionals","Same Category IV","Similar fee weight: fees 20% of revenue vs your 30%"]},{"slug":"hsbc","score":0.824,"reasons":["Both large regionals","Same Category IV","Similar size: $181B vs your $191B"]},{"slug":"pnc","score":0.821,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar loan mix (88% overlap): C&I 32% vs your 33%","Overlaps 9 of your top 20 markets (Cleveland, Pittsburgh, Denver)"],"proxy":true},{"slug":"truist","score":0.796,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 24% of revenue vs your 30%","Similar balance sheet: loans 60%, securities 21% of assets vs your 59%, 25%"],"proxy":true}],"coverage":0.91,"snapshot":{"rotce":14.7699,"nim":3.1194,"efficiency":54.8906,"cet1":12.2702,"dep_cost":1.5405,"nco":0.4116},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":15.11,"nim_reported":2.95,"eq_efficiency":60.91,"cet1_hc":11.1,"eq_nco_rate":0.3187},"2026Q2":{"rotce_reported":12.89,"nim_reported":2.89,"eq_efficiency":62.2188,"cet1_hc":11.17,"eq_nco_rate":0.4189}},"ticker":"KEY","cik":"0000091576","rssd":"1068025","charterShare":0.986},{"slug":"ally","name":"Ally","short":"ALLY","certs":[57803],"assets":199772000000,"archetype":"digital","filer":"sec","suggested":[{"slug":"usaa","score":0.791,"reasons":["Both digital and direct banks","Same Category IV","Neither relies on a branch network"]},{"slug":"synchrony","score":0.773,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both digital and direct banks","Same Category IV"],"proxy":true},{"slug":"american-express","score":0.754,"reasons":["You name it in your 2026 proxy peer group","Both digital and direct banks","Neither relies on a branch network"],"proxy":true},{"slug":"capital-one","score":0.731,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both card and consumer finance","Similar fee weight: fees 19% of revenue vs your 24%"],"proxy":true},{"slug":"sofi","score":0.705,"reasons":["You name it in your 2026 proxy peer group","Both digital and direct banks","Neither relies on a branch network"],"proxy":true},{"slug":"huntington","score":0.642,"reasons":["You name it in your 2026 proxy peer group","Similar size: $284B vs your $200B","Similar fee weight: fees 22% of revenue vs your 24%"],"proxy":true},{"slug":"fifth-third","score":0.615,"reasons":["You name it in your 2026 proxy peer group","Similar size: $300B vs your $200B"],"proxy":true}],"coverage":0.864,"snapshot":{"rotce":15.6985,"nim":4.2455,"efficiency":48.012,"cet1":12.3009,"dep_cost":3.0866,"nco":1.1102},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":3.62,"eq_efficiency":53.0017,"cet1_hc":10.2,"eq_nco_rate":null},"2026Q2":{"rotce_reported":null,"nim_reported":3.59,"eq_efficiency":57.699,"cet1_hc":10.15,"eq_nco_rate":1.1116}},"ticker":"ALLY","cik":"0000040729","rssd":"1562859","charterShare":0.942,"outOfScope":["BFH"]},{"slug":"northern-trust","name":"Northern Trust","short":"NTRS","certs":[913],"assets":179297200000,"archetype":"custody","filer":"sec","suggested":[{"slug":"bny","score":0.853,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both trust and custody banks","Fiduciary-heavy: 13x vs your 14x of bank assets under administration"],"proxy":true},{"slug":"state-street","score":0.794,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both trust and custody banks","Similar size: $418B vs your $179B"],"proxy":true},{"slug":"charles-schwab","score":0.683,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both wealth and brokerage banks","Similar loan mix (64% overlap): first-lien resi 49% vs your 13%"],"proxy":true},{"slug":"raymond-james","score":0.64,"reasons":["Names you in its 2026 proxy peer group","Both wealth and brokerage banks","Similar loan mix (90% overlap): first-lien resi 20% vs your 13%"]},{"slug":"ubs-bank-usa","score":0.589,"reasons":["Both wealth and brokerage banks","Similar size: $124B vs your $179B","Similar loan mix (73% overlap): first-lien resi 35% vs your 13%"]},{"slug":"city-national","score":0.562,"reasons":["Both wealth and brokerage banks","Similar size: $109B vs your $179B","Overlaps 5 of your top 20 markets (Los Angeles, San Francisco, New York)"]}],"coverage":0.858,"snapshot":{"rotce":28.6417,"nim":1.7155,"efficiency":72.6304,"cet1":11.83,"dep_cost":1.6165,"nco":-0.0037},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":1.83,"eq_efficiency":65.0497,"cet1_hc":12.4,"eq_nco_rate":0.1029},"2026Q2":{"rotce_reported":null,"nim_reported":1.81,"eq_efficiency":60.7339,"cet1_hc":12.2,"eq_nco_rate":-0.0037}},"ticker":"NTRS","cik":"0000073124","rssd":"1199611","charterShare":0.996},{"slug":"hsbc","name":"HSBC (US)","short":"HSBC US","certs":[57890,58188],"assets":180708000000,"archetype":"regional","filer":"sec","suggested":[{"slug":"keycorp","score":0.849,"reasons":["Both large regionals","Same Category IV","Similar loan mix (78% overlap): C&I 33% vs your 39%"]},{"slug":"regions","score":0.825,"reasons":["Both large regionals","Same Category IV","Similar size: $161B vs your $181B"]},{"slug":"citizens","score":0.804,"reasons":["Both large regionals","Same Category IV","Similar size: $234B vs your $181B"]},{"slug":"first-citizens","score":0.802,"reasons":["Both large regionals","Same Category IV","Similar size: $237B vs your $181B"]},{"slug":"m-and-t","score":0.793,"reasons":["Both large regionals","Same Category IV","Similar size: $220B vs your $181B"]},{"slug":"pinnacle","score":0.784,"reasons":["Both large regionals","Same Category IV","Similar deposit franchise: noninterest-bearing 16% of assets vs your 18%, uninsured 50% vs 71%"]},{"slug":"bmo","score":0.743,"reasons":["Both U.S. subsidiaries of foreign parents","Similar loan mix (69% overlap): C&I 32% vs your 39%","Similar deposit franchise: noninterest-bearing 18% of assets vs your 18%, uninsured 53% vs 71%"]},{"slug":"santander","score":0.741,"reasons":["Both large regionals","Both U.S. subsidiaries of foreign parents","Similar fee weight: fees 36% of revenue vs your 44%"]},{"slug":"fifth-third","score":0.731,"reasons":["Similar fee mix (68% overlap): trading 9% vs your 39% of fees"]},{"slug":"huntington","score":0.727,"reasons":["Similar loan mix (66% overlap): C&I 28% vs your 39%"]}],"coverage":0.801,"snapshot":{"rotce":11.6073,"nim":1.6236,"efficiency":55.6165,"cet1":15.9532,"dep_cost":2.4838,"nco":0.2234},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":65.0407,"cet1_hc":12.4,"eq_nco_rate":0.3922},"2026Q2":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":60.5512,"cet1_hc":12.1,"eq_nco_rate":0.1358}},"cik":"0000083246","rssd":"1857108","charterShare":0.958},{"slug":"regions","name":"Regions","short":"RF","certs":[12368],"assets":161299000000,"archetype":"regional","filer":"sec","suggested":[{"slug":"keycorp","score":0.988,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"m-and-t","score":0.975,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"citizens","score":0.964,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both large regionals","Same Category IV"],"proxy":true},{"slug":"first-citizens","score":0.933,"reasons":["You name it in your 2026 proxy peer group","Both large regionals","Same Category IV"],"proxy":true},{"slug":"pinnacle","score":0.913,"reasons":["Both large regionals","Overlaps 10 of your top 20 markets (Nashville, Birmingham, Tampa)","Same Category IV"]},{"slug":"huntington","score":0.907,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 14 of your top 20 markets (Nashville, Birmingham, Tampa)","Similar loan mix (84% overlap): C&I 28% vs your 28%"],"proxy":true},{"slug":"fifth-third","score":0.895,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 9 of your top 20 markets (Nashville, Tampa, Atlanta)","Similar fee weight: fees 31% of revenue vs your 32%"],"proxy":true},{"slug":"first-horizon","score":0.853,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 13 of your top 20 markets (Nashville, Birmingham, Tampa)","Similar deposit franchise: noninterest-bearing 20% of assets vs your 25%, uninsured 40% vs 39%"],"proxy":true},{"slug":"truist","score":0.828,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 15 of your top 20 markets (Nashville, Birmingham, Tampa)","Similar loan mix (89% overlap): C&I 23% vs your 28%"],"proxy":true},{"slug":"zions","score":0.82,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 24% of revenue vs your 32%","Similar deposit franchise: noninterest-bearing 29% of assets vs your 25%, uninsured 46% vs 39%"],"proxy":true}],"coverage":0.922,"snapshot":{"rotce":18.3742,"nim":3.7419,"efficiency":56.2139,"cet1":11.5802,"dep_cost":1.1643,"nco":0.4118},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":21.27,"nim_reported":3.68,"eq_efficiency":56.665,"cet1_hc":10.8,"eq_nco_rate":0.2894},"2026Q2":{"rotce_reported":19.01,"nim_reported":3.66,"eq_efficiency":58.7834,"cet1_hc":10.7,"eq_nco_rate":0.4139}},"ticker":"RF","cik":"0001281761","rssd":"3242838","charterShare":0.991,"outOfScope":["HWC"]},{"slug":"pinnacle","name":"Pinnacle","short":"PNFP","certs":[35583],"assets":129055000000,"archetype":"regional","filer":"sec","suggested":[{"slug":"first-horizon","score":0.945,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 13 of your top 20 markets (Nashville, Atlanta, Birmingham)","Similar loan mix (87% overlap): nonresidential CRE 26% vs your 29%"],"proxy":true},{"slug":"regions","score":0.913,"reasons":["Both large regionals","Overlaps 15 of your top 20 markets (Nashville, Atlanta, Birmingham)","Same Category IV"]},{"slug":"zions","score":0.912,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $89B vs your $129B","Similar loan mix (86% overlap): nonresidential CRE 27% vs your 29%"],"proxy":true},{"slug":"southstate","score":0.893,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Overlaps 9 of your top 20 markets (Atlanta, Miami, GA non)","Similar balance sheet: loans 74%, securities 12% of assets vs your 68%, 16%"],"proxy":true},{"slug":"first-citizens","score":0.873,"reasons":["Both large regionals","Same Category IV","Overlaps 12 of your top 20 markets (Atlanta, Miami, GA non)"]},{"slug":"wintrust","score":0.87,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar fee weight: fees 23% of revenue vs your 20%","Similar size: $75B vs your $129B"],"proxy":true},{"slug":"keycorp","score":0.869,"reasons":["Both large regionals","Same Category IV","Similar size: $191B vs your $129B"]},{"slug":"m-and-t","score":0.864,"reasons":["Both large regionals","Same Category IV","Similar size: $220B vs your $129B"]},{"slug":"umb","score":0.853,"reasons":["You name it in your 2026 proxy peer group","Similar loan mix (86% overlap): nonresidential CRE 27% vs your 29%","Similar size: $72B vs your $129B"],"proxy":true},{"slug":"valley","score":0.847,"reasons":["You name it in your 2026 proxy peer group","Overlaps 4 of your top 20 markets (Birmingham, Miami, Tampa)"],"proxy":true}],"coverage":0.777,"snapshot":{"rotce":12.9115,"nim":3.4563,"efficiency":53.0462,"cet1":10.7339,"dep_cost":2.1208,"nco":0.2217},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":16.54,"nim_reported":3.4,"eq_efficiency":57.0884,"cet1_hc":10.01,"eq_nco_rate":0.2249},"2026Q2":{"rotce_reported":14.89,"nim_reported":3.44,"eq_efficiency":59.9335,"cet1_hc":9.93,"eq_nco_rate":0.2216}},"ticker":"PNFP","cik":"0002082866","rssd":"6073350","events":[{"period":"2026Q1","label":"Absorbed Synovus Bank (2026-01-02)","kind":"merger"}],"charterShare":0.998,"outOfScope":["HWC","BKU","CBSH","UBSI","FULT","OZK","SFNC"]},{"slug":"ubs-bank-usa","name":"UBS Bank USA","short":"UBS US","certs":[57565],"assets":124438468000,"archetype":"wealth","filer":"foreign_parent","suggested":[{"slug":"raymond-james","score":0.842,"reasons":["Both wealth and brokerage banks","Similar size: $94B vs your $124B","Similar fee weight: fees 3% of revenue vs your 4%"]},{"slug":"city-national","score":0.754,"reasons":["Similar size: $109B vs your $124B","Same Category IV","Both U.S. subsidiaries of foreign parents"]},{"slug":"charles-schwab","score":0.69,"reasons":["Both wealth and brokerage banks","Similar loan mix (86% overlap): first-lien resi 49% vs your 35%"]},{"slug":"northern-trust","score":0.614,"reasons":["Similar size: $179B vs your $124B"]},{"slug":"morgan-stanley","score":0.572,"reasons":["Similar deposit franchise: almost no noninterest-bearing deposits, uninsured 33% vs your 37%"]}],"coverage":0.772,"snapshot":{"rotce":15.2238,"nim":1.9584,"efficiency":24.6322,"cet1":26.7403,"dep_cost":2.8502,"nco":-0.017},"opens":"2026Q2","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":null,"cet1_hc":null,"eq_nco_rate":null},"2026Q2":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":88.6663,"cet1_hc":16.5416,"eq_nco_rate":-0.0117}},"ticker":"UBS","cik":"0001610520","rssd":"4795461"},{"slug":"synchrony","name":"Synchrony","short":"SYF","certs":[27314],"assets":121930000000,"archetype":"card","filer":"sec","suggested":[{"slug":"american-express","score":0.822,"reasons":["You name it in your 2026 proxy peer group","Both card and consumer finance","Similar loan mix (74% overlap): card 66% vs your 92%"],"proxy":true},{"slug":"ally","score":0.773,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Similar size: $200B vs your $122B","Same Category IV"],"proxy":true},{"slug":"usaa","score":0.763,"reasons":["Similar size: $106B vs your $122B","Same Category IV","Similar fee mix (88% overlap): servicing 0% vs your 12% of fees"]},{"slug":"capital-one","score":0.76,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both card and consumer finance","Similar fee mix (88% overlap): servicing 1% vs your 12% of fees"],"proxy":true},{"slug":"sofi","score":0.634,"reasons":["Similar size: $61B vs your $122B","Similar balance sheet: loans 82%, securities 7% of assets vs your 77%, 5%"]}],"coverage":0.81,"snapshot":{"rotce":25.0445,"nim":12.7959,"efficiency":37.5137,"cet1":14.352,"dep_cost":3.6698,"nco":5.4793},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":25.2,"nim_reported":15.5,"eq_efficiency":35.9089,"cet1_hc":12.9,"eq_nco_rate":4.8104},"2026Q2":{"rotce_reported":25.2,"nim_reported":15.08,"eq_efficiency":35.7988,"cet1_hc":13.2,"eq_nco_rate":5.3942}},"ticker":"SYF","cik":"0001601712","rssd":"4504654","charterShare":0.945,"outOfScope":["BFH","XYZ","FIS","FISV","GPN","MA","PYPL","V","VOYA"]},{"slug":"city-national","name":"City National (RBC)","short":"CNB","certs":[17281,26342],"assets":108697014000,"archetype":"midRegional","filer":"foreign_parent","suggested":[{"slug":"east-west","score":0.854,"reasons":["Both mid-sized regionals","Similar loan mix (78% overlap): first-lien resi 27% vs your 37%","Overlaps 6 of your top 12 markets (Los Angeles, New York, San Francisco)"]},{"slug":"western-alliance","score":0.836,"reasons":["Both mid-sized 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$85B"],"proxy":true}],"coverage":0.853,"snapshot":{"rotce":18.873,"nim":3.4482,"efficiency":36.0668,"cet1":13.898,"dep_cost":2.0627,"nco":0.185},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":17.17,"nim_reported":3.49,"eq_efficiency":34.4021,"cet1_hc":15.41,"eq_nco_rate":null},"2026Q2":{"rotce_reported":16.88,"nim_reported":3.43,"eq_efficiency":36.7344,"cet1_hc":15.4,"eq_nco_rate":0.1851}},"ticker":"EWBC","cik":"0001069157","rssd":"2734233","charterShare":0.995,"outOfScope":["BKU"]},{"slug":"first-horizon","name":"First Horizon","short":"FHN","certs":[4977],"assets":84437000000,"archetype":"midRegional","filer":"sec","suggested":[{"slug":"zions","score":0.997,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar loan mix (89% overlap): nonresidential CRE 27% vs your 26%"],"proxy":true},{"slug":"valley","score":0.963,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 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$84B"]}],"coverage":0.855,"snapshot":{"rotce":15.3484,"nim":3.5631,"efficiency":55.944,"cet1":11.1775,"dep_cost":1.742,"nco":0.2001},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":-5.33,"nim_reported":3.48,"eq_efficiency":129.9754,"cet1_hc":10.3,"eq_nco_rate":0.2301},"2026Q2":{"rotce_reported":15.21,"nim_reported":3.49,"eq_efficiency":59.9775,"cet1_hc":10.46,"eq_nco_rate":0.2035}},"ticker":"FHN","cik":"0000036966","rssd":"1094640","charterShare":0.996},{"slug":"popular","name":"Popular","short":"BPOP","certs":[34968,34967],"assets":78972300000,"archetype":"midRegional","filer":"sec","suggested":[{"slug":"east-west","score":0.956,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 1 of your top 10 markets (New York)"],"proxy":true},{"slug":"zions","score":0.939,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (72% overlap): nonresidential CRE 27% vs your 22%"],"proxy":true},{"slug":"valley","score":0.937,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Overlaps 2 of your top 10 markets (New York, Miami)"],"proxy":true},{"slug":"old-national","score":0.93,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (70% overlap): nonresidential CRE 29% vs your 22%"],"proxy":true},{"slug":"southstate","score":0.925,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (71% overlap): nonresidential CRE 44% vs your 22%"],"proxy":true},{"slug":"first-horizon","score":0.923,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Overlaps 1 of your top 10 markets (Miami)"],"proxy":true},{"slug":"fnb","score":0.909,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (71% overlap): nonresidential CRE 24% vs your 22%"],"proxy":true},{"slug":"wintrust","score":0.891,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar size: $75B vs your $79B"],"proxy":true},{"slug":"cullen-frost","score":0.885,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar balance sheet: loans 42%, securities 40% of assets vs your 50%, 40%"],"proxy":true},{"slug":"western-alliance","score":0.881,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar balance sheet: loans 66%, securities 21% of assets vs your 50%, 40%"],"proxy":true}],"coverage":0.855,"snapshot":{"rotce":19.7406,"nim":3.8311,"efficiency":55.9685,"cet1":15.7892,"dep_cost":1.5652,"nco":1.0588},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":15.8,"nim_reported":3.63,"eq_efficiency":57.8089,"cet1_hc":16.06,"eq_nco_rate":0.7313},"2026Q2":{"rotce_reported":17.02,"nim_reported":3.66,"eq_efficiency":55.3947,"cet1_hc":16.08,"eq_nco_rate":1.0532}},"ticker":"BPOP","cik":"0000763901","rssd":"1129382","charterShare":0.992},{"slug":"wintrust","name":"Wintrust","short":"WTFC","certs":[33935,27589,33849,57082,34395,33803,34717,34618,27052,34011,58314,34073,5744,57701,57103,34681],"assets":74846093000,"archetype":"midRegional","filer":"sec","suggested":[{"slug":"old-national","score":0.978,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 6 of your top 12 markets (Chicago, Grand Rapids, Milwaukee)"],"proxy":true},{"slug":"associated","score":0.958,"reasons":["Mutual proxy peers: 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36%"],"proxy":true},{"slug":"bok-financial","score":0.931,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar loan mix (78% overlap): C&I 35% vs your 44%"],"proxy":true},{"slug":"columbia","score":0.924,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar deposit franchise: noninterest-bearing 27% of assets vs your 17%, uninsured 39% vs 36%"],"proxy":true},{"slug":"western-alliance","score":0.92,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar deposit franchise: noninterest-bearing 28% of assets vs your 17%, uninsured 38% vs 36%"],"proxy":true},{"slug":"fnb","score":0.914,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar deposit franchise: noninterest-bearing 20% of assets vs your 17%, uninsured 40% vs 36%"],"proxy":true}],"coverage":0.82,"snapshot":{"rotce":18.423,"nim":3.3817,"efficiency":42.2632,"cet1":11.1733,"dep_cost":2.125,"nco":0.0973},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":14.89,"nim_reported":3.49,"eq_efficiency":53.5265,"cet1_hc":10.5,"eq_nco_rate":0.1494},"2026Q2":{"rotce_reported":14.91,"nim_reported":3.5,"eq_efficiency":53.8205,"cet1_hc":10.4,"eq_nco_rate":0.0977}},"ticker":"WTFC","cik":"0001015328","rssd":"2260406","events":[{"period":"2024Q3","label":"Acquired Macatawa Bank National Assn","kind":"merger"}],"charterShare":1,"outOfScope":["HWC","CBSH"]},{"slug":"old-national","name":"Old National","short":"ONB","certs":[3832],"assets":74189417000,"archetype":"midRegional","filer":"sec","suggested":[{"slug":"associated","score":0.998,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 5 of your top 20 markets (Chicago, Minneapolis, 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nonresidential CRE 36% vs your 29%"],"proxy":true},{"slug":"umb","score":0.957,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 1 of your top 20 markets (Madison)"],"proxy":true},{"slug":"fnb","score":0.954,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar fee weight: fees 18% of revenue vs your 18%"],"proxy":true},{"slug":"bok-financial","score":0.947,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar loan mix (81% overlap): nonresidential CRE 29% vs your 29%"],"proxy":true},{"slug":"southstate","score":0.92,"reasons":["Names you in its 2026 proxy peer group","Both mid-sized regionals","Similar size: $69B vs your $74B"]}],"coverage":0.836,"snapshot":{"rotce":19.4517,"nim":3.6063,"efficiency":45.2418,"cet1":11.3369,"dep_cost":1.6742,"nco":0.2564},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":19.59,"nim_reported":3.52,"eq_efficiency":49.8616,"cet1_hc":11.11,"eq_nco_rate":0.2676},"2026Q2":{"rotce_reported":19.84,"nim_reported":3.54,"eq_efficiency":50.8034,"cet1_hc":11.09,"eq_nco_rate":0.2567}},"ticker":"ONB","cik":"0000707179","rssd":"1098303","events":[{"period":"2022Q1","label":"Absorbed First Midwest Bank (2022-02-16)","kind":"merger"},{"period":"2024Q2","label":"Absorbed CapStar Bank (2024-04-01)","kind":"merger"},{"period":"2025Q2","label":"Absorbed Bremer Bank (2025-05-01)","kind":"merger"}],"charterShare":0.996,"outOfScope":["HWC"]},{"slug":"umb","name":"UMB","short":"UMBF","certs":[8273],"assets":72255560000,"archetype":"midRegional","filer":"sec","suggested":[{"slug":"bok-financial","score":1,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized 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mid-sized regionals","Similar size: $65B vs your $72B"],"proxy":true},{"slug":"first-horizon","score":0.933,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (78% overlap): C&I 25% vs your 38%"],"proxy":true},{"slug":"southstate","score":0.929,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 3 of your top 20 markets (Denver, Dallas, Colorado Springs)"],"proxy":true},{"slug":"valley","score":0.896,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar size: $66B vs your $72B"],"proxy":true},{"slug":"associated","score":0.892,"reasons":["Names you in its 2026 proxy peer group","Both mid-sized regionals","Overlaps 4 of your top 20 markets (St. Louis, Rockford, 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network"],"proxy":true}],"coverage":0.809,"snapshot":{"rotce":19.6665,"nim":2.7393,"efficiency":37.9373,"cet1":16.0945,"dep_cost":2.2288,"nco":0.108},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":25.3,"nim_reported":2.6,"eq_efficiency":79.8079,"cet1_hc":23.2,"eq_nco_rate":null},"2026Q2":{"rotce_reported":22.6,"nim_reported":2.71,"eq_efficiency":80.9063,"cet1_hc":21.5,"eq_nco_rate":0.0985}},"ticker":"RJF","cik":"0000720005","rssd":"3815157","events":[{"period":"2022Q2","label":"Acquired Tristate Capital Bank","kind":"merger"}],"charterShare":0.741,"levelWarning":"Bank charters are a small part of a brokerage group. 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66%"]},{"slug":"wintrust","score":0.825,"reasons":["Both mid-sized regionals","Similar size: $75B vs your $67B","Similar balance sheet: loans 74%, securities 14% of assets vs your 64%, 15%"]}],"coverage":0.787,"snapshot":{"rotce":14.1103,"nim":3.1526,"efficiency":38.965,"cet1":17.1717,"dep_cost":2.5154,"nco":0.3949},"opens":"2026Q2","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":null,"cet1_hc":null,"eq_nco_rate":null},"2026Q2":{"rotce_reported":null,"nim_reported":null,"eq_efficiency":48.1038,"cet1_hc":20.3826,"eq_nco_rate":0.4885}},"ticker":"CM","cik":"0001045520","rssd":"1231342"},{"slug":"valley","name":"Valley","short":"VLY","certs":[9396],"assets":66318308000,"archetype":"midRegional","filer":"sec","suggested":[{"slug":"southstate","score":0.997,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar loan mix (79% overlap): nonresidential CRE 44% vs your 36%"],"proxy":true},{"slug":"flagstar","score":0.973,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 3 of your top 19 markets (New York, Miami, Los Angeles)"],"proxy":true},{"slug":"first-horizon","score":0.963,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 7 of your top 19 markets (Tampa, Miami, Orlando)"],"proxy":true},{"slug":"fnb","score":0.948,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar deposit franchise: noninterest-bearing 20% of assets vs your 19%, uninsured 40% vs 40%"],"proxy":true},{"slug":"cullen-frost","score":0.938,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar loan mix (77% overlap): nonresidential CRE 34% vs your 36%"],"proxy":true},{"slug":"columbia","score":0.935,"reasons":["Names you in its 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (86% overlap): nonresidential CRE 30% vs your 36%"]},{"slug":"zions","score":0.933,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (74% overlap): nonresidential CRE 27% vs your 36%"],"proxy":true},{"slug":"wintrust","score":0.932,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar size: $75B vs your $66B"],"proxy":true},{"slug":"prosperity","score":0.924,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar fee weight: fees 11% of revenue vs your 12%"],"proxy":true},{"slug":"old-national","score":0.923,"reasons":["Names you in its 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (81% overlap): nonresidential CRE 29% vs your 36%"]}],"coverage":0.851,"snapshot":{"rotce":11.2667,"nim":3.3378,"efficiency":53.1429,"cet1":12.2786,"dep_cost":2.2642,"nco":0.1707},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":14.24,"nim_reported":3.27,"eq_efficiency":53.0613,"cet1_hc":10.71,"eq_nco_rate":0.2807},"2026Q2":{"rotce_reported":11.91,"nim_reported":3.19,"eq_efficiency":55.4849,"cet1_hc":10.7076,"eq_nco_rate":0.1707}},"ticker":"VLY","cik":"0000714310","rssd":"1048773","events":[{"period":"2022Q2","label":"Absorbed Bank Leumi USA (2022-04-01)","kind":"merger"}],"charterShare":0.999,"outOfScope":["BKU","HWC"]},{"slug":"columbia","name":"Columbia Banking","short":"COLB","certs":[17266],"assets":65380000000,"archetype":"midRegional","filer":"sec","suggested":[{"slug":"old-national","score":0.993,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar loan mix (84% overlap): nonresidential CRE 29% vs your 30%"],"proxy":true},{"slug":"zions","score":0.99,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 6 of your top 20 markets (Los Angeles, Riverside, ID non)"],"proxy":true},{"slug":"valley","score":0.975,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar loan mix (86% overlap): nonresidential CRE 36% vs your 30%"],"proxy":true},{"slug":"east-west","score":0.973,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Overlaps 4 of your top 20 markets (Seattle, Los Angeles, Riverside)"],"proxy":true},{"slug":"southstate","score":0.969,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar size: $69B vs your $65B"],"proxy":true},{"slug":"cullen-frost","score":0.942,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar loan mix (75% overlap): nonresidential CRE 34% vs your 30%"],"proxy":true},{"slug":"fnb","score":0.938,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar fee weight: fees 18% of revenue vs your 12%"],"proxy":true},{"slug":"bok-financial","score":0.935,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar loan mix (76% overlap): nonresidential CRE 29% vs your 30%"],"proxy":true},{"slug":"umb","score":0.933,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar size: $72B vs your $65B"],"proxy":true},{"slug":"first-horizon","score":0.93,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Similar deposit franchise: noninterest-bearing 20% of assets vs your 27%, uninsured 40% vs 39%"],"proxy":true}],"coverage":0.777,"snapshot":{"rotce":14.8596,"nim":4.0186,"efficiency":48.9473,"cet1":12.2086,"dep_cost":1.3062,"nco":0.2546},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":16.43,"nim_reported":4.11,"eq_efficiency":53.2374,"cet1_hc":11.5,"eq_nco_rate":0.2381},"2026Q2":{"rotce_reported":15.29,"nim_reported":3.93,"eq_efficiency":55.3914,"cet1_hc":11.7,"eq_nco_rate":0.253}},"ticker":"COLB","cik":"0000887343","rssd":"2078816","events":[{"period":"2023Q1","label":"Absorbed Columbia State Bank (2023-03-01)","kind":"merger"},{"period":"2025Q3","label":"Absorbed Pacific Premier Bank (2025-09-01)","kind":"merger"}],"charterShare":1},{"slug":"sofi","name":"SoFi","short":"SOFI","certs":[26881],"assets":60947548000,"archetype":"digital","filer":"sec","suggested":[{"slug":"usaa","score":0.725,"reasons":["Both digital and direct banks","Similar size: $106B vs your $61B","Similar fee weight: fees 27% of revenue vs your 31%"]},{"slug":"ally","score":0.665,"reasons":["Names you in its 2026 proxy peer group","Both digital and direct banks","Similar fee weight: fees 24% of revenue vs your 31%"]},{"slug":"synchrony","score":0.634,"reasons":["Similar size: $122B vs your $61B","Similar balance sheet: loans 77%, securities 5% of assets vs your 82%, 7%"]},{"slug":"capital-one","score":0.557,"reasons":["You name it in your 2026 proxy peer group"],"proxy":true},{"slug":"american-express","score":0.52,"reasons":["Similar deposit franchise: almost no noninterest-bearing deposits, uninsured 18% vs your 5%","Similar balance sheet: loans 78%, securities 1% of assets vs your 82%, 7%"]}],"coverage":0.793,"snapshot":{"rotce":15.9099,"nim":6.1923,"efficiency":67.3864,"cet1":15.1662,"dep_cost":2.8932,"nco":0.0843},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":null,"nim_reported":6.14,"eq_efficiency":75.9894,"cet1_hc":16.9,"eq_nco_rate":null},"2026Q2":{"rotce_reported":null,"nim_reported":5.98,"eq_efficiency":82.1065,"cet1_hc":18.7,"eq_nco_rate":0.0864}},"ticker":"SOFI","cik":"0001818874","rssd":"5586871","events":[{"period":"2022Q1","label":"Bought Golden Pacific Bank and became SoFi Bank. 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49%"]}],"coverage":0.673,"snapshot":{"rotce":12.9583,"nim":3.3267,"efficiency":58.6855,"cet1":10.2325,"dep_cost":2.1474,"nco":0.2711},"snapshotHeld":["rotce","nim","dep_cost","nco"],"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":14.05,"nim_reported":3.2,"eq_efficiency":56.062,"cet1_hc":10.38,"eq_nco_rate":0.193},"2026Q2":{"rotce_reported":12.12,"nim_reported":3.17,"eq_efficiency":60.3596,"cet1_hc":10.47,"eq_nco_rate":0.2719}},"ticker":"ASB","cik":"0000007789","rssd":"1199563","events":[{"period":"2026Q2","label":"Absorbed American National Bank (2026-04-01)","kind":"merger"}],"charterShare":0.999,"outOfScope":["OZK","FULT","TCBI","BKU","HWC","TRMK","UBSI","CBSH","SFNC"]},{"slug":"fnb","name":"F.N.B.","short":"FNB","certs":[7888],"assets":50999000000,"archetype":"midRegional","filer":"sec","suggested":[{"slug":"associated","score":0.969,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar size: $52B vs your $51B"],"proxy":true},{"slug":"cullen-frost","score":0.955,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar size: $54B vs your $51B"],"proxy":true},{"slug":"valley","score":0.948,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar size: $66B vs your $51B"],"proxy":true},{"slug":"southstate","score":0.944,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Overlaps 2 of your top 20 markets (Charlotte, Wilmington)"],"proxy":true},{"slug":"first-horizon","score":0.931,"reasons":["You name it in your 2026 proxy peer group","Both mid-sized regionals","Overlaps 5 of your top 20 markets (NC non, Charlotte, Winston)"],"proxy":true},{"slug":"bok-financial","score":0.928,"reasons":["Mutual proxy peers: each names the other in its 2026 proxy","Both mid-sized regionals","Similar size: $53B vs your 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$51B"]}],"coverage":0.838,"snapshot":{"rotce":14.506,"nim":3.3421,"efficiency":51.2879,"cet1":11.397,"dep_cost":1.7269,"nco":0.1982},"opens":"2026Q3","earnings":{"2026Q3":{"rotce_reported":14.15,"nim_reported":3.29,"eq_efficiency":54.7712,"cet1_hc":11.3,"eq_nco_rate":null},"2026Q2":{"rotce_reported":14.07,"nim_reported":3.25,"eq_efficiency":54.6436,"cet1_hc":11.37,"eq_nco_rate":0.1918}},"ticker":"FNB","cik":"0000037808","rssd":"3005332","events":[{"period":"2022Q1","label":"Absorbed Howard Bank (2022-02-05)","kind":"merger"}],"charterShare":0.996,"outOfScope":["HWC","BKU","CBSH","FULT","TCBI","SFNC"]}],"peerSets":[{"id":"money_center","label":"Money center","members":["jpmorgan-chase","bank-of-america","citigroup","wells-fargo"]},{"id":"ib_led","label":"Investment-bank-led G-SIBs","members":["goldman-sachs","morgan-stanley"]},{"id":"trust_custody","label":"Trust and 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on assets","short":"ROA","lens":"strategy","sublens":"returns","unit":"pct","direction":"higher","formula":"NETINCQ*4/ASSET2*100","sources":[{"source":"fdic","fields":["NETINCQ","ASSET2"]},{"source":"xbrl","tags":["NetIncomeLoss","Assets"]}],"level":"bank","cadence":"quarterly","caveat":"Includes securities gains and one-offs. Matched-book repo and trading assets depress it at dealer banks, so read it next to PPNR ROA.","tier":"A","inHeadline":true,"headlineIn":["strategy"],"alsoIn":["cfo"],"plain":"Quarterly net income, annualized, over two-point average total assets.","why":"The one line that shows how hard the whole balance sheet is working."},{"id":"roe","label":"Return on equity","short":"ROE","lens":"strategy","sublens":"returns","unit":"pct","direction":"higher","formula":"NETINCQ*4/EQ2*100","sources":[{"source":"fdic","fields":["NETINCQ","EQ2"]}],"level":"bank","cadence":"quarterly","caveat":"Acquirers carry goodwill that lowers ROE without any operating weakness; use ROTCE to compare acquirers with organic builders. Bank-level equity also moves with parent injections and upstream dividends.","tier":"A","alsoIn":["cfo"],"plain":"Quarterly net income, annualized, over two-point average total equity.","why":"The return shareholders see before stripping goodwill."},{"id":"rotce","label":"Return on tangible common equity","short":"ROTCE","lens":"strategy","sublens":"returns","unit":"pct","direction":"higher","formula":"(NETINCQ-nz(ytdq(EQCDIVP)))*4/avg((EQ-EQPP-INTANGW-INTANOTH),2)*100","sources":[{"source":"fdic","fields":["NETINCQ","EQ","EQPP","INTANGW","INTANOTH","EQCDIVP"]}],"level":"bank","cadence":"quarterly","caveat":"AOCI swings tangible equity, so rate moves change ROTCE with no earnings change; compare with ROTCE excluding AOCI. Bank-level figure differs from reported holding ROTCE. No add-back of intangible amortization, which most banks make in reported ROTCE.","tier":"A","inHeadline":true,"headlineIn":["strategy"],"alsoIn":["cfo","capital"],"plain":"Quarterly net income less preferred dividends, annualized, over two-point average equity less preferred, goodwill and other intangibles.","why":"The return measure boards, investors and management targets are set on."},{"id":"rotce_ex_aoci","label":"ROTCE excluding AOCI","short":"ROTCE xAOCI","lens":"strategy","sublens":"returns","unit":"pct","direction":"higher","formula":"(NETINCQ-nz(ytdq(EQCDIVP)))*4/avg((EQ-EQPP-INTANGW-INTANOTH)-(EQUPTOT-EQUPGR-EQOTHCC),2)*100","sources":[{"source":"fdic","fields":["NETINCQ","EQ","EQPP","INTANGW","INTANOTH","EQUPTOT","EQUPGR","EQOTHCC","EQCDIVP"]}],"level":"bank","cadence":"quarterly","caveat":"Banks with large unrealized losses show the biggest gap between this and ROTCE, and that gap is itself the signal.","tier":"A","plain":"Quarterly net income less preferred dividends, annualized, over two-point average tangible common equity with AOCI removed.","why":"Removes the flattering effect of a depressed tangible equity base caused by securities marks."},{"id":"ppnr_roa","label":"PPNR to average assets","short":"PPNR ROA","lens":"strategy","sublens":"returns","unit":"pct","direction":"higher","formula":"(NIMQ+NONIIQ-NONIXQ)*4/ASSET2*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","NONIXQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes securities gains. Card lenders post very high PPNR because they price for losses; use risk-adjusted margin when card exceeds about 20% of loans.","tier":"A","inHeadline":true,"headlineIn":["strategy"],"alsoIn":["cfo"],"plain":"Net interest income plus noninterest income less noninterest expense, annualized, over two-point average assets.","why":"Earning power before credit and tax, the figure a strategy team benchmarks through the cycle."},{"id":"rev_growth","label":"Revenue growth, TTM","short":"Rev growth","lens":"strategy","sublens":"growth","unit":"pct","direction":"higher","formula":"(sum4((NIMQ+NONIIQ))/lag(sum4((NIMQ+NONIIQ)),4)-1)*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth, so compare pro forma before ranking.","tier":"A","inHeadline":true,"headlineIn":["strategy"],"alsoIn":["cfo"],"plain":"Trailing four-quarter net interest income plus noninterest income over the same sum a year earlier, less one.","why":"Separates franchises gaining momentum from those being carried by rates."},{"id":"asset_growth","label":"Total asset growth, year on year","short":"Asset gr","lens":"strategy","sublens":"growth","unit":"pct","direction":"contextual","formula":"(ASSET/lag(ASSET,4)-1)*100","sources":[{"source":"fdic","fields":["ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth, so compare pro forma before ranking.","tier":"A","plain":"Period-end total assets over total assets a year earlier, less one.","why":"How fast a bank is closing on the next regulatory category threshold."},{"id":"loan_growth","label":"Loan growth, year on year","short":"Loan gr","lens":"strategy","sublens":"growth","unit":"pct","direction":"higher","formula":"(LNLSGR/lag(LNLSGR,4)-1)*100","sources":[{"source":"fdic","fields":["LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth, so compare pro forma before ranking. Check for loan sales or securitizations before reading a decline as weak demand.","tier":"A","inHeadline":true,"headlineIn":["strategy"],"alsoIn":["commercial","consumer"],"plain":"Period-end total loans and leases over the same balance a year earlier, less one.","why":"Core franchise growth: the first thing asked of a CEO on every earnings call."},{"id":"deposit_growth","label":"Deposit growth, year on year","short":"Dep gr","lens":"strategy","sublens":"growth","unit":"pct","direction":"higher","formula":"(DEP/lag(DEP,4)-1)*100","sources":[{"source":"fdic","fields":["DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth, so compare pro forma before ranking. Quarter-end window dressing moves custody and operational deposits; prefer holding-level average balances for those banks.","tier":"A","inHeadline":true,"headlineIn":["strategy"],"alsoIn":["treasury"],"plain":"Period-end total deposits over total deposits a year earlier, less one.","why":"Who is winning funding without having to pay up (read with deposit cost)."},{"id":"loan_cagr3","label":"Loan CAGR, three years","short":"Loan 3y","lens":"strategy","sublens":"growth","unit":"pct","direction":"higher","formula":"((LNLSGR/lag(LNLSGR,12))**(1/3)-1)*100","sources":[{"source":"fdic","fields":["LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth, so compare pro forma before ranking.","tier":"A","plain":"Annualized growth in period-end total loans and leases over the last three years.","why":"Removes single-year noise from growth rankings."},{"id":"deposit_cagr3","label":"Deposit CAGR, three years","short":"Dep 3y","lens":"strategy","sublens":"growth","unit":"pct","direction":"higher","formula":"((DEP/lag(DEP,12))**(1/3)-1)*100","sources":[{"source":"fdic","fields":["DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth, so compare pro forma before ranking.","tier":"A","plain":"Annualized growth in period-end total deposits over the last three years.","why":"Three years separates retained balances from rate-driven inflows."},{"id":"rev_cagr3","label":"Revenue CAGR, three years","short":"Rev 3y","lens":"strategy","sublens":"growth","unit":"pct","direction":"higher","formula":"((sum4((NIMQ+NONIIQ))/lag(sum4((NIMQ+NONIIQ)),12))**(1/3)-1)*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth, so compare pro forma before ranking.","tier":"A","plain":"Annualized growth in trailing four-quarter net interest income plus noninterest income over the last three years.","why":"Long-window revenue compounding is what strategy teams compare against stated ambitions."},{"id":"tce_growth","label":"TCE growth, year on year","short":"TCE gr","lens":"strategy","sublens":"growth","unit":"pct","direction":"higher","formula":"((EQ-EQPP-INTANGW-INTANOTH)/lag((EQ-EQPP-INTANGW-INTANOTH),4)-1)*100","sources":[{"source":"fdic","fields":["EQ","EQPP","INTANGW","INTANOTH"]}],"level":"bank","cadence":"quarterly","caveat":"Parent injections, upstream dividends and AOCI moves distort this at bank level; prefer TBVPS plus dividends growth for listed holding companies.","tier":"A","plain":"Equity less preferred, goodwill and other intangibles over the same figure a year earlier, less one.","why":"How fast the charter is building tangible capital after upstream dividends."},{"id":"share_deposits","label":"Share of peer-set deposits","short":"Dep share","lens":"strategy","sublens":"share","unit":"pct","direction":"higher","formula":"DEP/peersum(DEP)*100","sources":[{"source":"fdic","fields":["DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Depends entirely on peer selection and is recalculated whenever the peer set changes.","tier":"A","inHeadline":true,"headlineIn":["strategy"],"requiresPeerSet":true,"plain":"Period-end total deposits over the sum of total deposits across the peer set.","why":"Tells the bank whether it is gaining or losing relative to the group it chose."},{"id":"share_loans","label":"Share of peer-set loans","short":"Loan share","lens":"strategy","sublens":"share","unit":"pct","direction":"higher","formula":"LNLSGR/peersum(LNLSGR)*100","sources":[{"source":"fdic","fields":["LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Depends on peer selection.","tier":"A","requiresPeerSet":true,"plain":"Period-end total loans and leases over the sum across the peer set.","why":"Relative loan franchise size inside the selected peer group."},{"id":"share_revenue","label":"Share of peer-set revenue","short":"Rev share","lens":"strategy","sublens":"share","unit":"pct","direction":"higher","formula":"sum4((NIMQ+NONIIQ))/peersum(sum4((NIMQ+NONIIQ)))*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Depends on peer selection; dealer revenue held outside the bank is invisible at bank level.","tier":"A","requiresPeerSet":true,"plain":"Trailing four-quarter revenue over the sum of the same revenue across the peer set.","why":"Revenue share change is the plain test of a growth strategy."},{"id":"share_deposits_chg","label":"Peer deposit share change, 1Y","short":"Share chg","lens":"strategy","sublens":"share","unit":"bps","direction":"higher","formula":"(DEP/peersum(DEP)-lag(DEP/peersum(DEP),4))*10000","sources":[{"source":"fdic","fields":["DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers lift share with no organic gain, so compare pro forma before ranking. Recalculated whenever the peer set changes.","tier":"A","requiresPeerSet":true,"plain":"Share of peer-set deposits now less the share a year earlier, in basis points.","why":"Share movement matters more than the level for a planning conversation."},{"id":"assets_usd","label":"Total assets","short":"Assets","lens":"strategy","sublens":"scale","unit":"usd","direction":"neutral","formula":"ASSET*1000","sources":[{"source":"fdic","fields":["ASSET"]},{"source":"xbrl","tags":["Assets"]}],"level":"bank","cadence":"quarterly","caveat":"Bank-level; the holding company may be materially larger (see bank share of holding assets).","tier":"A","plain":"Period-end total assets of the bank.","why":"Scale drives regulatory category, peer choice and technology spend capacity."},{"id":"revenue_usd","label":"Revenue, trailing four quarters","short":"Revenue","lens":"strategy","sublens":"scale","unit":"usd","direction":"neutral","formula":"sum4((NIMQ+NONIIQ))*1000","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ"]},{"source":"xbrl","tags":["Revenues","InterestIncomeExpenseNet","NoninterestIncome"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes securities gains and losses, which FDIC reports separately from noninterest income.","tier":"A","plain":"Net interest income plus noninterest income, sum of the last four quarters.","why":"Baseline scale number for every per-unit comparison."},{"id":"net_income_usd","label":"Net income, trailing four quarters","short":"Net income","lens":"strategy","sublens":"scale","unit":"usd","direction":"neutral","formula":"sum4(NETINCQ)*1000","sources":[{"source":"fdic","fields":["NETINCQ"]},{"source":"xbrl","tags":["NetIncomeLoss"]}],"level":"bank","cadence":"quarterly","caveat":"Includes securities gains and discontinued operations.","tier":"A","plain":"Net income, sum of the last four quarters.","why":"Absolute earning power and capacity to invest."},{"id":"bank_to_holding","label":"Bank share of holding assets","short":"Bank/HC","lens":"strategy","sublens":"scale","unit":"pct","direction":"neutral","formula":"ASSET*1000/{Assets}*100","sources":[{"source":"xbrl","tags":["Assets"]}],"level":"holding","cadence":"quarterly","caveat":"Below about 80% (GS, MS, SCHW type) means bank-level ratios should not be used to judge the group. Charters sum without eliminating balances between them.","tier":"B","plain":"Total assets of the insured bank over consolidated holding company assets from SEC filings.","why":"How much of the holding company the FDIC numbers cover."},{"id":"fee_ratio","label":"Noninterest income share of revenue","short":"Fee ratio","lens":"strategy","sublens":"mix","unit":"pct","direction":"contextual","formula":"NONIIQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["NONIIQ","NIMQ"]}],"level":"bank","cadence":"quarterly","caveat":"Includes trading, so trading-heavy banks look diversified while carrying market risk. Card rewards are netted in fee income, which understates card-issuer gross fees.","tier":"A","inHeadline":true,"headlineIn":["strategy"],"alsoIn":["cfo"],"plain":"Quarterly noninterest income over net interest income plus noninterest income.","why":"Dependence on spread income versus fees, trading and other noninterest lines."},{"id":"loans_assets","label":"Loans to assets","short":"Loans/TA","lens":"strategy","sublens":"mix","unit":"pct","direction":"contextual","formula":"LNLSGR/ASSET*100","sources":[{"source":"fdic","fields":["LNLSGR","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Trust banks and dealers are structurally low; rank only within a business-model cohort.","tier":"A","plain":"Period-end total loans and leases over total assets.","why":"Simplest statement of balance-sheet model: lender, custodian or dealer."},{"id":"securities_assets","label":"Securities to assets","short":"Sec/assets","lens":"strategy","sublens":"mix","unit":"pct","direction":"contextual","formula":"SC/ASSET*100","sources":[{"source":"fdic","fields":["SC","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"HTM at amortized cost, AFS at fair value. Excludes trading account securities.","tier":"A","alsoIn":["cio"],"plain":"Period-end total securities over total assets.","why":"How much earnings depend on the investment book."},{"id":"mix_ci","label":"C&I share of loans","short":"C&I mix","lens":"strategy","sublens":"loan_mix","unit":"pct","direction":"contextual","formula":"LNCI/LNLSGR*100","sources":[{"source":"fdic","fields":["LNCI","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes NDFI loans, which are reported separately. The 2024-25 reporting change moved balances out of C&I, lowering this share with no change in lending.","tier":"A","alsoIn":["commercial"],"plain":"C&I loans over total loans and leases.","why":"Commercial orientation of the book."},{"id":"mix_cre","label":"CRE share of loans","short":"CRE mix","lens":"strategy","sublens":"loan_mix","unit":"pct","direction":"contextual","formula":"(LNRECONS+LNREMULT+LNRENRES)/LNLSGR*100","sources":[{"source":"fdic","fields":["LNRECONS","LNREMULT","LNRENRES","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Includes owner-occupied CRE and 1-4 family construction. Excludes farmland and commercial real estate loans not secured by real estate.","tier":"A","alsoIn":["commercial","credit"],"plain":"Construction, multifamily and nonfarm nonresidential real estate loans over total loans and leases.","why":"CRE weight drives both yield and supervisory attention."},{"id":"mix_resi","label":"1-4 family share of loans","short":"Resi mix","lens":"strategy","sublens":"loan_mix","unit":"pct","direction":"contextual","formula":"LNRERES/LNLSGR*100","sources":[{"source":"fdic","fields":["LNRERES","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Includes HELOCs and junior liens; held-for-sale mortgage balances are also inside.","tier":"A","inHeadline":true,"headlineIn":["consumer"],"alsoIn":["consumer"],"plain":"Loans secured by 1-4 family residential property over total loans and leases.","why":"Low-yield, low-loss anchor of the consumer book."},{"id":"mix_card","label":"Credit card share of loans","short":"Card mix","lens":"strategy","sublens":"loan_mix","unit":"pct","direction":"contextual","formula":"LNCRCD/LNLSGR*100","sources":[{"source":"fdic","fields":["LNCRCD","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Anything over about 20% means NIM, NCO and reserve rankings are measuring mix; use ex-card metrics.","tier":"A","alsoIn":["consumer","credit"],"plain":"Credit card loans over total loans and leases.","why":"The biggest single driver of NIM, NCO and efficiency differences across banks."},{"id":"mix_auto","label":"Auto share of loans","short":"Auto mix","lens":"strategy","sublens":"loan_mix","unit":"pct","direction":"contextual","formula":"LNAUTO/LNLSGR*100","sources":[{"source":"fdic","fields":["LNAUTO","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes auto leases, so lease-heavy lenders rank low.","tier":"A","alsoIn":["consumer"],"plain":"Consumer auto loans over total loans and leases.","why":"Exposure to a shorter-duration consumer product whose spread and loss profile depend on the prime-to-subprime mix."},{"id":"mix_ndfi","label":"NDFI share of loans","short":"NDFI mix","lens":"strategy","sublens":"loan_mix","unit":"pct","direction":"contextual","formula":"iff(nz(LNNDEPC)+nz(LNNDEPD)>0,max(nz(LNNDEPC),nz(LNNDEPD)),NULL)/LNLSGR*100","sources":[{"source":"fdic","fields":["LNNDEPC","LNNDEPD","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"The 2024-25 reporting change moved balances here from C&I, so early growth is partly reclassification. Banks reporting domestic offices only understate the share.","tier":"A","alsoIn":["commercial","credit"],"plain":"NDFI loans, the larger of consolidated and domestic-office balances, over total loans and leases.","why":"The fastest-growing and most scrutinized commercial category because of private-credit links."},{"id":"foreign_assets","label":"Foreign office assets share","short":"Foreign","lens":"strategy","sublens":"mix","unit":"pct","direction":"contextual","formula":"nz(ASSETFOR)/ASSET*100","sources":[{"source":"fdic","fields":["ASSETFOR","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic-only banks show zero.","tier":"A","plain":"Assets booked in foreign offices over total assets.","why":"International footprint explains funding, cost and regulatory differences."},{"id":"tbvps_reported","label":"TBVPS, reported","short":"TBVPS rep","lens":"strategy","sublens":"holding_value","unit":"usd","direction":"higher","formula":"[Tangible book value per share]","sources":[{"source":"release","labels":["Tangible book value per","Tangible book value per common share"]},{"source":"filing","labels":["Tangible book value per"]}],"level":"holding","cadence":"quarterly","caveat":"Non-GAAP: treatment of MSRs and deferred tax on goodwill varies by bank.","tier":"C","inHeadline":true,"headlineIn":["earnings"],"alsoIn":["capital","earnings"],"plain":"As reported in the earnings release.","why":"Value every holding-company investor deck leads with."},{"id":"tbvps_growth","label":"TBVPS growth, YoY","short":"TBVPS gr","lens":"strategy","sublens":"holding_value","unit":"pct","direction":"higher","formula":"([Tangible book value per share]/lag([Tangible book value per share],4)-1)*100","sources":[{"source":"release","labels":["Tangible book value per"]},{"source":"filing","labels":["Tangible book value per"]}],"level":"holding","cadence":"quarterly","caveat":"AOCI moves it sharply when rates move. Dividends paid are not added back.","tier":"C","inHeadline":true,"headlineIn":["strategy"],"plain":"Reported TBVPS over TBVPS a year earlier, less one.","why":"The closest proxy for total economic return to a bank shareholder."},{"id":"eps_growth","label":"Diluted EPS growth, TTM","short":"EPS gr","lens":"strategy","sublens":"holding_value","unit":"pct","direction":"higher","formula":"(sum4({EarningsPerShareDiluted})/lag(sum4({EarningsPerShareDiluted}),4)-1)*100","sources":[{"source":"xbrl","tags":["EarningsPerShareDiluted"]}],"level":"holding","cadence":"quarterly","caveat":"Summing quarterly EPS is an approximation because share counts move.","tier":"B","plain":"Sum of the last four quarters of diluted EPS over the same sum a year earlier, less one.","why":"The number on the screen in every investor conversation."},{"id":"rotce_reported","label":"ROTCE, reported","short":"ROTCE rep","lens":"strategy","sublens":"holding_value","unit":"pct","direction":"higher","formula":"[Return on average tangible common equity]","sources":[{"source":"release","labels":["Return on average tangible common","Return on tangible common equity","ROTCE"]},{"source":"filing","labels":["Return on average tangible common","ROTCE"]}],"level":"holding","cadence":"quarterly","caveat":"Non-GAAP and defined by each bank; adjusted versions exclude different notable items, so check the basis before ranking.","tier":"C","inHeadline":true,"headlineIn":["earnings"],"alsoIn":["cfo","earnings"],"plain":"As reported in the earnings release.","why":"The target metric in almost every top-50 bank strategic plan."},{"id":"sod_top3_msa","label":"Top three markets share of deposits","short":"Top-3 MSA","lens":"strategy","sublens":"footprint","unit":"pct","direction":"contextual","formula":"sum(top3 metro MSABR by DEPSUMBR)/sum(DEPSUMBR)*100","sources":[{"source":"fdic","fields":["SOD:DEPSUMBR","SOD:MSABR","SOD:BRNUM"]}],"level":"bank","cadence":"annual","caveat":"Summary of Deposits is annual at 30 June. Head-office booking of national and corporate deposits inflates one MSA; cap branch deposits (for example at $1bn) to see retail footprint.","tier":"A","plain":"Deposits in the three largest metro markets over all branch deposits. Non-metro branches stay in the denominator but are not a market.","carry":8,"why":"Geographic concentration: how exposed the deposit base is to a few local economies."},{"id":"sod_hhi","label":"Deposit HHI across MSAs","short":"MSA HHI","lens":"strategy","sublens":"footprint","unit":"count","direction":"contextual","formula":"sum((sum(DEPSUMBR by metro MSABR)/sum(DEPSUMBR))**2)*10000","sources":[{"source":"fdic","fields":["SOD:DEPSUMBR","SOD:MSABR"]}],"level":"bank","cadence":"annual","caveat":"Summary of Deposits is annual at 30 June. Head-office booking of national and corporate deposits inflates one MSA; cap branch deposits (for example at $1bn) to see retail footprint.","tier":"A","plain":"Sum of squared metro market shares of branch deposits. Non-metro branches stay in the denominator but are not a market.","carry":8,"why":"One number that says whether the franchise is concentrated or national."},{"id":"sod_states","label":"States with a branch","short":"States","lens":"strategy","sublens":"footprint","unit":"count","direction":"neutral","formula":"OFFSTATE","sources":[{"source":"fdic","fields":["OFFSTATE"]}],"level":"bank","cadence":"quarterly","caveat":"Counts all office types.","tier":"A","alsoIn":["ops"],"plain":"Number of states with an office, including the main office, as reported to the FDIC.","why":"Footprint breadth for scale and marketing efficiency comparisons."},{"id":"guidance_loan_growth","label":"Loan growth guidance, next period","short":"Loan guide","lens":"strategy","sublens":"guidance","unit":"pct","direction":"contextual","formula":"[Management loan growth guide]","sources":[{"source":"transcript","labels":["loan growth","average loans","loans to be"]},{"source":"release","labels":["Outlook","Guidance"]}],"level":"holding","cadence":"quarterly","caveat":"Guide language is qualitative at many banks; the number stays null when no range is stated.","tier":"C","plain":"As stated by management in earnings materials.","why":"What peers tell the market about demand sets the planning range."},{"id":"nim","label":"Net interest margin","short":"NIM","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"NIMQ*4/ERNAST2*100","sources":[{"source":"fdic","fields":["NIMQ","ERNAST2"]},{"source":"xbrl","tags":["InterestIncomeExpenseNet"]}],"level":"bank","cadence":"quarterly","caveat":"Not FTE: reported NIM runs 2-10bp higher at muni-heavy banks. Card books and trading assets distort it; read with core and ex-card NIM. Simple x4 annualization; use day-count NIM for sequential gaps under 10bp.","tier":"A","inHeadline":true,"headlineIn":["cfo"],"alsoIn":["strategy","treasury"],"plain":"Quarterly net interest income, annualized, over average earning assets.","why":"Primary spread benchmark for every plan and earnings call."},{"id":"nim_daycount","label":"NIM, actual day-count","short":"NIM d/c","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"NIMQ*(365/daysq())/ERNAST2*100","sources":[{"source":"fdic","fields":["NIMQ","ERNAST2"]}],"level":"bank","cadence":"quarterly","caveat":"Banks differ on 30/360 versus actual loan accruals, so small residual gaps remain.","tier":"A","plain":"Quarterly net interest income, scaled by 365 over days in the quarter, over average earning assets.","why":"Lets sequential comparison ignore the extra days in Q3 and Q4."},{"id":"nim_core","label":"NIM ex trading, repo and cash","short":"Core NIM","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"(NIMQ-nz(ITRADEQ)-IFREPOQ-ICHBALQ+EFREPPQ)*4/avg(ERNAST-TRADE-FREPO-CHBALI,2)*100","sources":[{"source":"fdic","fields":["NIMQ","ITRADEQ","IFREPOQ","ICHBALQ","EFREPPQ","ERNAST","TRADE","FREPO","CHBALI"]}],"level":"bank","cadence":"quarterly","caveat":"Only repo expense is added back, so other funding of trading and cash stays in and understates dealers. Use to rank, not to quote.","tier":"A","plain":"Quarterly NII less trading, repo and cash interest income plus repo expense, annualized, over average earning assets ex those assets.","why":"Removes low-spread dealer and liquidity assets so a universal bank can be compared to a regional."},{"id":"nim_ex_card_proxy","label":"NIM excluding card balances (proxy)","short":"NIM x-card","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"iff(LNCRCD/LNLSGR<0.5,(NIMQ-avg(LNCRCD,2)*0.09/4)*4/(ERNAST2-avg(LNCRCD,2))*100,NULL)","sources":[{"source":"fdic","fields":["LNCRCD","LNLSGR","NIMQ","ERNAST2"]}],"level":"bank","cadence":"quarterly","caveat":"Assumes 900bp net spread on every card book, since FDIC has no card spread field. Null when card exceeds half of loans. Use to rank, not to quote.","tier":"A","plain":"Quarterly NII less an assumed 9% annual spread on average card loans, annualized, over average earning assets less card.","why":"Card NIM can be 7-10% and lifts universal bank NIM; this strips it so spread franchises can be compared."},{"id":"nim_reported","label":"NIM, reported (FTE)","short":"NIM rep","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"[Net interest margin FTE]","sources":[{"source":"release","labels":["Net interest margin","net interest yield","NIM"]},{"source":"filing","labels":["Net interest margin","net interest yield"]}],"level":"holding","cadence":"quarterly","caveat":"Definition varies: some exclude markets (for example NII ex-markets at JPM).","tier":"C","inHeadline":true,"headlineIn":["earnings"],"alsoIn":["earnings"],"plain":"As reported in the earnings release.","why":"The number the market holds management to."},{"id":"nii_yoy_rate","label":"NII change from rate (year on year)","short":"NII rate","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"(NIMQ*4/ERNAST2-lag(NIMQ*4/ERNAST2,4))*lag(ERNAST2,4)/4/lag(NIMQ,4)*100","sources":[{"source":"fdic","fields":["NIMQ","ERNAST2"]}],"level":"bank","cadence":"quarterly","caveat":"Margin-times-balance attribution; a mix shift into card shows as rate.","tier":"A","plain":"Year-on-year change in annualized NIM, times prior-year average earning assets, as a percent of prior-year NII.","why":"Splits NII growth into the part management earned on price."},{"id":"nii_yoy_vol","label":"NII change from volume (year on year)","short":"NII vol","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"(ERNAST2-lag(ERNAST2,4))*(NIMQ*4/ERNAST2)/4/lag(NIMQ,4)*100","sources":[{"source":"fdic","fields":["ERNAST2","NIMQ"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers show as volume.","tier":"A","plain":"Year-on-year change in average earning assets, at current NIM, as a percent of prior-year NII.","why":"Splits NII growth into the part that came from growing the balance sheet."},{"id":"ea_yield","label":"Yield on earning assets","short":"EA yield","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"(INTINQ*4/ERNAST2*100)","sources":[{"source":"fdic","fields":["INTINQ","ERNAST2"]}],"level":"bank","cadence":"quarterly","caveat":"Not FTE. Trading interest income is inside for dealers.","tier":"A","alsoIn":["treasury"],"plain":"Quarterly total interest income, annualized, over average earning assets.","why":"Top line of the spread story."},{"id":"loan_yield","label":"Loan yield","short":"Loan yield","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"(ILNLSQ*4/LNLSGR2*100)","sources":[{"source":"fdic","fields":["ILNLSQ","LNLSGR2"]}],"level":"bank","cadence":"quarterly","caveat":"Includes fees and purchase accounting accretion; card and consumer mix dominates. Compare inside business-model cohort.","tier":"A","alsoIn":["treasury"],"plain":"Quarterly loan interest and fee income, annualized, over average gross loans.","why":"Pricing power and mix on the core asset."},{"id":"cost_of_funds","label":"Interest expense to earning assets","short":"Int exp/EA","lens":"cfo","sublens":"margin","unit":"pct","direction":"lower","formula":"EINTXQ*4/ERNAST2*100","sources":[{"source":"fdic","fields":["EINTXQ","ERNAST2"]}],"level":"bank","cadence":"quarterly","caveat":"Dealers carry repo and trading funding inside this.","tier":"A","alsoIn":["treasury"],"plain":"Quarterly total interest expense, annualized, over average earning assets.","why":"Cost of carrying the earning book."},{"id":"net_int_spread","label":"Net interest spread","short":"Spread","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"(INTINQ*4/ERNAST2*100)-EINTXQ*4/avg((DEPI+FREPP+OTHBRF+SUBND),2)*100","sources":[{"source":"fdic","fields":["INTINQ","ERNAST2","EINTXQ","DEPI","FREPP","OTHBRF","SUBND"]}],"level":"bank","cadence":"quarterly","caveat":"Trading liabilities are out of the denominator while their interest stays in the numerator, which overstates funding cost at dealers.","tier":"A","plain":"Earning asset yield less annualized interest expense over average interest-bearing deposits, repo, other borrowings and sub debt.","why":"Separates pricing from free-funding benefit: spread rising while NIM falls usually means NIB loss."},{"id":"free_funds_benefit","label":"Value of free funds","short":"Free funds","lens":"cfo","sublens":"margin","unit":"bps","direction":"higher","formula":"(NIMQ*4/ERNAST2*100-((INTINQ*4/ERNAST2*100)-EINTXQ*4/avg((DEPI+FREPP+OTHBRF+SUBND),2)*100))*100","sources":[{"source":"fdic","fields":["NIMQ","ERNAST2","INTINQ","EINTXQ","DEPI","FREPP","OTHBRF","SUBND"]}],"level":"bank","cadence":"quarterly","caveat":"Falls as rates fall, so compare across peers at one date only.","tier":"A","alsoIn":["treasury"],"plain":"NIM less net interest spread, in basis points.","why":"Measures how much of margin comes from noninterest deposits and equity."},{"id":"loan_deposit_spread","label":"Loan yield minus deposit cost","short":"Loan-dep","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"(ILNLSQ*4/LNLSGR2*100)-((EDEPDOMQ+nz(EDEPFORQ))*4/DEP2*100)","sources":[{"source":"fdic","fields":["ILNLSQ","LNLSGR2","EDEPDOMQ","EDEPFORQ","DEP2"]}],"level":"bank","cadence":"quarterly","caveat":"Card mix lifts it; use commercial-cohort comparison or ex-card peers.","tier":"A","inHeadline":true,"headlineIn":["cfo"],"alsoIn":["treasury"],"plain":"Annualized loan yield less annualized deposit interest expense over average total deposits.","why":"The franchise spread stripped of treasury activity: what the relationship actually earns."},{"id":"risk_adj_margin","label":"Risk-adjusted NIM (NIM less NCOs)","short":"Risk-adj","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"(NIMQ-NTLNLSQ)*4/ERNAST2*100","sources":[{"source":"fdic","fields":["NIMQ","NTLNLSQ","ERNAST2"]}],"level":"bank","cadence":"quarterly","caveat":"NCOs lag pricing by several quarters during growth; use a trailing window in a fast-growing card book.","tier":"A","inHeadline":true,"headlineIn":["cfo"],"alsoIn":["credit"],"plain":"Quarterly NII less NCOs, annualized, over average earning assets.","why":"Nets high-yield lending against its losses, so card issuers and prime lenders sit on one scale."},{"id":"dp_nii","label":"Net interest income to assets","short":"NII/A","lens":"cfo","sublens":"dupont","unit":"pct","direction":"higher","formula":"NIMQ*4/ASSET2*100","sources":[{"source":"fdic","fields":["NIMQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"The seven lines sum to ROA at the same date. Low-margin dealer assets shrink every line: compare shape, not level.","tier":"A","inHeadline":true,"headlineIn":["cfo"],"plain":"Quarterly net interest income, annualized, over average assets.","why":"First DuPont line: spread earned on the whole balance sheet."},{"id":"dp_nonii","label":"Noninterest income to assets","short":"NonII/A","lens":"cfo","sublens":"dupont","unit":"pct","direction":"higher","formula":"NONIIQ*4/ASSET2*100","sources":[{"source":"fdic","fields":["NONIIQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"The seven lines sum to ROA at the same date. Low-margin dealer assets shrink every line: compare shape, not level.","tier":"A","inHeadline":true,"headlineIn":["cfo"],"plain":"Quarterly noninterest income, annualized, over average assets.","why":"Second DuPont line: what fees add."},{"id":"dp_nonix","label":"Noninterest expense to assets","short":"Exp/A","lens":"cfo","sublens":"dupont","unit":"pct","direction":"lower","formula":"NONIXQ*4/ASSET2*100","sources":[{"source":"fdic","fields":["NONIXQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"The seven lines sum to ROA at the same date. Low-margin dealer assets shrink every line: compare shape, not level.","tier":"A","inHeadline":true,"headlineIn":["cfo","ops"],"alsoIn":["ops"],"plain":"Quarterly noninterest expense, annualized, over average assets.","why":"Third DuPont line: scale-neutral cost of running the balance sheet."},{"id":"dp_prov","label":"Provision to assets","short":"Prov/A","lens":"cfo","sublens":"dupont","unit":"pct","direction":"lower","formula":"ELNATQ*4/ASSET2*100","sources":[{"source":"fdic","fields":["ELNATQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"The seven lines sum to ROA at the same date. Low-margin dealer assets shrink every line: compare shape, not level.","tier":"A","plain":"Quarterly provision for credit losses, annualized, over average assets.","why":"Fourth DuPont line: credit drag."},{"id":"dp_sec","label":"Securities gains to assets","short":"Sec gains/A","lens":"cfo","sublens":"dupont","unit":"pct","direction":"neutral","formula":"IGLSECQ*4/ASSET2*100","sources":[{"source":"fdic","fields":["IGLSECQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"Includes equity investment marks, not only AFS sales. The seven lines sum to ROA at the same date.","tier":"A","plain":"Quarterly securities gains and losses, annualized, over average assets.","why":"Fifth DuPont line: flags ROA that came from selling or marking securities."},{"id":"dp_tax","label":"Tax and other to assets","short":"Tax/A","lens":"cfo","sublens":"dupont","unit":"pct","direction":"lower","formula":"(ITAXQ-nz(EXTRAQ))*4/ASSET2*100","sources":[{"source":"fdic","fields":["ITAXQ","EXTRAQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"The seven lines sum to ROA at the same date. Low-margin dealer assets shrink every line: compare shape, not level.","tier":"A","plain":"Quarterly income tax less net discontinued operations, annualized, over average assets.","why":"Sixth DuPont line: tax and discontinued operations on the walk to ROA."},{"id":"equity_multiplier","label":"Equity multiplier","short":"Eq mult","lens":"cfo","sublens":"dupont","unit":"x","direction":"contextual","formula":"ASSET2/EQ2","sources":[{"source":"fdic","fields":["ASSET2","EQ2"]}],"level":"bank","cadence":"quarterly","caveat":"Bank-level equity reflects internal capital allocation.","tier":"A","alsoIn":["capital"],"plain":"Average assets over average equity capital.","why":"Second half of ROE DuPont: how much leverage produced the return."},{"id":"efficiency","label":"Efficiency ratio (FDIC definition)","short":"Efficiency","lens":"cfo","sublens":"cost","unit":"pct","direction":"lower","formula":"(NONIXQ-EAMINTQ)/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["NONIXQ","EAMINTQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes intangible amortization and goodwill impairment; not FTE. Card, wealth and trust models run structurally higher: compare inside cohort or against a mix-based expected value.","tier":"A","inHeadline":true,"headlineIn":["cfo","ops"],"alsoIn":["ops","strategy"],"plain":"Noninterest expense less intangible amortization and impairment, over NII plus noninterest income.","why":"The cost discipline headline for every bank."},{"id":"efficiency_reported","label":"Efficiency ratio, reported","short":"Eff rep","lens":"cfo","sublens":"cost","unit":"pct","direction":"lower","formula":"[Efficiency ratio]","sources":[{"source":"release","labels":["Efficiency ratio","Overhead ratio"]},{"source":"filing","labels":["Efficiency ratio","Overhead ratio"]}],"level":"holding","cadence":"quarterly","caveat":"Bank definitions differ (with or without notable items, FTE or not).","tier":"C","alsoIn":["ops"],"plain":"As reported in the earnings release.","why":"Reported overhead ratio is what the street compares."},{"id":"op_leverage","label":"Operating leverage, TTM","short":"Op leverage","lens":"cfo","sublens":"cost","unit":"pct","direction":"higher","formula":"((sum4((NIMQ+NONIIQ))/lag(sum4((NIMQ+NONIIQ)),4)-1)-(sum4(NONIXQ)/lag(sum4(NONIXQ),4)-1))*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","NONIXQ"]}],"level":"bank","cadence":"quarterly","caveat":"Expense includes goodwill impairment, unlike the efficiency ratio. FDIC special assessments and restructuring charges also distort year-on-year comparisons.","tier":"A","inHeadline":true,"headlineIn":["cfo"],"alsoIn":["ops","strategy"],"plain":"Trailing four-quarter revenue growth less noninterest expense growth, in percentage points.","why":"Whether revenue is growing faster than cost: the discipline test investors apply first."},{"id":"expense_growth","label":"Expense growth, TTM","short":"Expense gr","lens":"cfo","sublens":"cost","unit":"pct","direction":"lower","formula":"(sum4(NONIXQ)/lag(sum4(NONIXQ),4)-1)*100","sources":[{"source":"fdic","fields":["NONIXQ"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth: exclude merger quarters or compare pro forma before ranking.","tier":"A","alsoIn":["ops"],"plain":"Trailing four-quarter noninterest expense over the same sum a year earlier, less one.","why":"Benchmark for the expense budget."},{"id":"comp_ratio","label":"Compensation to revenue","short":"Comp ratio","lens":"cfo","sublens":"cost","unit":"pct","direction":"lower","formula":"ESALQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["ESALQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Business mix sets the level: wealth and capital markets run far above spread lending.","tier":"A","inHeadline":true,"headlineIn":["ops"],"alsoIn":["ops"],"plain":"Quarterly salaries and benefits over NII plus noninterest income.","why":"Largest expense line, and the first question in any cost review."},{"id":"comp_share_exp","label":"Compensation share of expense","short":"Comp share","lens":"cfo","sublens":"cost","unit":"pct","direction":"contextual","formula":"ESALQ/NONIXQ*100","sources":[{"source":"fdic","fields":["ESALQ","NONIXQ"]}],"level":"bank","cadence":"quarterly","caveat":"Outsourcing moves cost into other expense without any productivity gain.","tier":"A","alsoIn":["ops"],"plain":"Quarterly salaries and benefits over noninterest expense.","why":"Shows labor versus technology and vendor cost structure."},{"id":"occupancy_ratio","label":"Premises expense to revenue","short":"Occupancy","lens":"cfo","sublens":"cost","unit":"pct","direction":"lower","formula":"EPREMAGQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["EPREMAGQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Sale-leasebacks shift between gains and rent.","tier":"A","alsoIn":["ops"],"plain":"Quarterly premises and fixed asset expense over NII plus noninterest income.","why":"Footprint cost burden."},{"id":"other_exp_ratio","label":"Other expense to revenue","short":"Other exp","lens":"cfo","sublens":"cost","unit":"pct","direction":"lower","formula":"EOTHNINQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["EOTHNINQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"BankFind does not split it; holding-level tags cover technology and professional fees.","tier":"A","plain":"Quarterly all other noninterest expense over NII plus noninterest income.","why":"This line holds technology, professional fees, FDIC assessments and legal, where cost overruns sit."},{"id":"ppnr_growth","label":"PPNR growth, TTM","short":"PPNR gr","lens":"cfo","sublens":"earnings","unit":"pct","direction":"higher","formula":"(sum4((NIMQ+NONIIQ-NONIXQ))/lag(sum4((NIMQ+NONIIQ-NONIXQ)),4)-1)*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","NONIXQ"]}],"level":"bank","cadence":"quarterly","caveat":"Volatile when PPNR is thin; suppress when the base is below 0.5% of assets.","tier":"A","alsoIn":["strategy"],"plain":"Trailing four-quarter PPNR over the same sum a year earlier, less one.","why":"Underlying earnings momentum free of credit."},{"id":"ppnr_rwa","label":"PPNR to risk-weighted assets","short":"PPNR/RWA","lens":"cfo","sublens":"earnings","unit":"pct","direction":"higher","formula":"(NIMQ+NONIIQ-NONIXQ)*4/avg(RWAJ,2)*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","NONIXQ","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Standardized RWA at bank level; Category I-II advanced RWA at the holding company differ. Compare inside one approach.","tier":"A","inHeadline":true,"headlineIn":["cfo"],"alsoIn":["capital","credit"],"plain":"Quarterly NII plus noninterest income less noninterest expense, annualized, over average RWA.","why":"The return on regulatory capital consumption, and the first line of loss absorption in a stress test."},{"id":"revenue_rwa","label":"Revenue to risk-weighted assets","short":"Rev/RWA","lens":"cfo","sublens":"earnings","unit":"pct","direction":"higher","formula":"(NIMQ+NONIIQ)*4/avg(RWAJ,2)*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Fee businesses with little RWA (trust, wealth) lift it structurally.","tier":"A","alsoIn":["capital"],"plain":"Quarterly NII plus noninterest income, annualized, over average RWA.","why":"How productive each dollar of capital-consuming balance is."},{"id":"prov_ppnr","label":"Provision to PPNR","short":"Prov/PPNR","lens":"cfo","sublens":"earnings","unit":"pct","direction":"lower","formula":"ELNATQ/(NIMQ+NONIIQ-NONIXQ)*100","sources":[{"source":"fdic","fields":["ELNATQ","NIMQ","NONIIQ","NONIXQ"]}],"level":"bank","cadence":"quarterly","caveat":"CECL pulls forward; one reserve build can swamp a quarter. Prefer the trailing four quarter view in volatile periods.","tier":"A","alsoIn":["credit"],"plain":"Quarterly provision for credit losses over quarterly PPNR.","why":"How much earning power credit is consuming."},{"id":"tax_rate","label":"Effective tax rate","short":"Tax rate","lens":"cfo","sublens":"earnings","unit":"pct","direction":"lower","formula":"ITAXQ/IBEFTXQ*100","sources":[{"source":"fdic","fields":["ITAXQ","IBEFTXQ"]},{"source":"xbrl","tags":["IncomeTaxExpenseBenefit","EffectiveIncomeTaxRateContinuingOperations"]}],"level":"bank","cadence":"quarterly","caveat":"Tax credit investments are partly booked through other income, and proportional amortization choices changed comparability after 2023.","tier":"A","plain":"Quarterly income tax over pre-tax income.","why":"Sizes the earnings gap from tax credits and muni holdings."},{"id":"sec_gains_share","label":"Securities gains to pre-tax income","short":"Sec gains","lens":"cfo","sublens":"earnings","unit":"pct","direction":"lower","formula":"IGLSECQ/IBEFTXQ*100","sources":[{"source":"fdic","fields":["IGLSECQ","IBEFTXQ"]}],"level":"bank","cadence":"quarterly","caveat":"Includes equity investment marks, not only AFS sales: JPM Q2 2026 shows $4.3bn in total against a $0.4bn AFS loss.","tier":"A","alsoIn":["cio"],"plain":"Quarterly securities gains and losses over pre-tax income.","why":"Flags earnings that came from portfolio actions rather than the franchise."},{"id":"nii_share_rev","label":"NII share of revenue","short":"NII share","lens":"cfo","sublens":"mix","unit":"pct","direction":"contextual","formula":"NIMQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Complement of the fee ratio.","tier":"A","plain":"Quarterly NII over NII plus noninterest income.","why":"Sensitivity of the income statement to rates."},{"id":"fee_ex_trading","label":"Fees ex trading, share of revenue","short":"Fees x-trd","lens":"cfo","sublens":"mix","unit":"pct","direction":"higher","formula":"(NONIIQ-IGLTRDQ)/((NIMQ+NONIIQ)-IGLTRDQ)*100","sources":[{"source":"fdic","fields":["NONIIQ","IGLTRDQ","NIMQ"]}],"level":"bank","cadence":"quarterly","caveat":"Also removes client-flow trading revenue, which recurs at dealers.","tier":"A","plain":"Noninterest income less trading revenue, over NII plus noninterest income less trading revenue.","why":"Removes markets volatility to expose recurring fees."},{"id":"fee_trust","label":"Fiduciary % of nonint. income","short":"Fiduciary %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"IFIDUCQ/NONIIQ*100","sources":[{"source":"fdic","fields":["IFIDUCQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly fiduciary income over noninterest income.","why":"Recurring asset-linked income."},{"id":"fee_service","label":"Deposit charges % of nonint. income","short":"Dep chgs %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"ISERCHGQ/NONIIQ*100","sources":[{"source":"fdic","fields":["ISERCHGQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly deposit service charges over noninterest income.","why":"Overdraft and treasury fee dependence."},{"id":"fee_trading","label":"Trading % of nonint. income","short":"Trading %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"IGLTRDQ/NONIIQ*100","sources":[{"source":"fdic","fields":["IGLTRDQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly trading revenue over noninterest income.","why":"Market-linked revenue share."},{"id":"fee_ib","label":"IB, brokerage % of nonint. income","short":"IB/brkg %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"IINVFEEQ/NONIIQ*100","sources":[{"source":"fdic","fields":["IINVFEEQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly investment banking, advisory and brokerage fees over noninterest income.","why":"Capital markets and brokerage fee share."},{"id":"fee_servicing","label":"Servicing % of nonint. income","short":"Servicing %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"ISERFEEQ/NONIIQ*100","sources":[{"source":"fdic","fields":["ISERFEEQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly servicing fees over noninterest income.","why":"Mortgage and other servicing income share."},{"id":"fee_insurance","label":"Insurance % of nonint. income","short":"Insurance %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"IINSCOMQ/NONIIQ*100","sources":[{"source":"fdic","fields":["IINSCOMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly insurance commissions, fees and underwriting income over noninterest income.","why":"Insurance commissions, fees and underwriting income share."},{"id":"fee_loan_sales","label":"Loan sales % of nonint. income","short":"Loan sale %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"NTGLLNQ/NONIIQ*100","sources":[{"source":"fdic","fields":["NTGLLNQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly net gains on loan sales over noninterest income.","why":"Originate-to-sell income share."},{"id":"fee_securitisation","label":"Securitization % of nonint. income","short":"Securit %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"ISECZQ/NONIIQ*100","sources":[{"source":"fdic","fields":["ISECZQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly securitization income over noninterest income.","why":"Securitization income share."},{"id":"fee_vc","label":"Venture capital % of nonint. income","short":"VC %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"IVENCAPQ/NONIIQ*100","sources":[{"source":"fdic","fields":["IVENCAPQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly venture capital revenue over noninterest income.","why":"Principal investment income share."},{"id":"fee_other","label":"Other % of nonint. income","short":"Other fee %","lens":"cfo","sublens":"fee_mix","unit":"pct","direction":"contextual","formula":"IOTNIIQ/NONIIQ*100","sources":[{"source":"fdic","fields":["IOTNIIQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"FDIC does not split interchange, merchant or treasury fees; they sit here. Reclassifications break the series. Negative trading revenue can push a share above 100.","tier":"A","plain":"Quarterly other noninterest income over total noninterest income.","why":"Holds interchange, card, merchant and everything unsplit."},{"id":"guide_nii","label":"Net interest income guidance","short":"NII guide","lens":"cfo","sublens":"guidance","unit":"usd","direction":"contextual","formula":"[FY NII guide]","sources":[{"source":"transcript","labels":["net interest income","NII","expect NII"]},{"source":"release","labels":["Outlook"]}],"level":"holding","cadence":"quarterly","caveat":"Often stated as a growth percentage, with or without markets.","tier":"C","alsoIn":["treasury"],"plain":"Management's full-year guidance, as stated in the earnings release or call.","why":"Consensus-setting number for the next plan cycle."},{"id":"guide_expense","label":"Expense guidance","short":"Exp guide","lens":"cfo","sublens":"guidance","unit":"usd","direction":"contextual","formula":"[FY expense guide]","sources":[{"source":"transcript","labels":["expenses to be","adjusted expense","expense guidance"]},{"source":"release","labels":["Outlook"]}],"level":"holding","cadence":"quarterly","caveat":"Adjusted versus reported differs.","tier":"C","alsoIn":["ops"],"plain":"Management's full-year guidance, as stated in the earnings release or call.","why":"Peer cost budgets anchor internal target-setting."},{"id":"labor_ratio_hc","label":"Compensation to revenue, holding","short":"Comp HC","lens":"cfo","sublens":"cost","unit":"pct","direction":"lower","formula":"{LaborAndRelatedExpense}/({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements}))*100","sources":[{"source":"xbrl","tags":["LaborAndRelatedExpense","InterestIncomeExpenseNet","NoninterestIncome"]}],"level":"holding","cadence":"quarterly","caveat":"Revenue definitions vary; a few banks report net of credit costs.","tier":"B","inHeadline":true,"headlineIn":["ops"],"alsoIn":["ops"],"plain":"Holding company compensation expense over NII plus noninterest income.","why":"Holding-level view catches dealer and wealth staff that the bank charter misses."},{"id":"nim_hc","label":"NIM proxy, holding (NII to assets)","short":"NII/A HC","lens":"cfo","sublens":"margin","unit":"pct","direction":"higher","formula":"{InterestIncomeExpenseNet}*4/avg({Assets},2)*100","sources":[{"source":"xbrl","tags":["InterestIncomeExpenseNet","Assets"]}],"level":"holding","cadence":"quarterly","caveat":"Over total assets, because filers do not report earning assets on a common basis.","tier":"B","plain":"Holding company quarterly NII, annualized, over average total assets.","why":"Lets the group be compared where bank-level misses material business."},{"id":"nonix_assets_hc","label":"Expense to assets, holding","short":"Exp/A HC","lens":"cfo","sublens":"cost","unit":"pct","direction":"lower","formula":"{NoninterestExpense}*4/avg({Assets},2)*100","sources":[{"source":"xbrl","tags":["NoninterestExpense","Assets"]}],"level":"holding","cadence":"quarterly","caveat":"Dealer and wealth models differ.","tier":"B","plain":"Holding company quarterly noninterest expense, annualized, over average total assets.","why":"Group-wide cost intensity."},{"id":"roa_hc","label":"Return on assets, holding","short":"ROA HC","lens":"cfo","sublens":"earnings","unit":"pct","direction":"higher","formula":"{NetIncomeLoss}*4/avg({Assets},2)*100","sources":[{"source":"xbrl","tags":["NetIncomeLoss","Assets"]}],"level":"holding","cadence":"quarterly","tier":"B","plain":"Holding company quarterly net income, annualized, over average total assets.","why":"Group return, needed where the bank charter is only part of the group."},{"id":"roe_hc","label":"Return on common equity, holding, TTM","short":"ROE HC","lens":"strategy","sublens":"returns","unit":"pct","direction":"higher","formula":"sum4({NetIncomeLossAvailableToCommonStockholdersBasic})/avg({StockholdersEquity}-nz({PreferredStockValue}),4)*100","plain":"Net income to common over four quarters, over four-quarter average common equity.","caveat":"Net income stands in for a quarter with no common line, which reads slightly high at preferred issuers.","sources":[{"source":"xbrl","tags":["NetIncomeLossAvailableToCommonStockholdersBasic","StockholdersEquity","PreferredStockValue"]}],"level":"holding","cadence":"quarterly","tier":"C","inHeadline":true,"headlineIn":["strategy"]},{"id":"rote_hc","label":"Return on equity ex goodwill, holding, TTM","short":"ROTE HC","lens":"strategy","sublens":"returns","unit":"pct","direction":"higher","formula":"sum4({NetIncomeLossAvailableToCommonStockholdersBasic})/avg({StockholdersEquity}-nz({PreferredStockValue})-nz({Goodwill}),4)*100","plain":"Net income to common over four quarters, over four-quarter average common equity less goodwill.","caveat":"Other intangibles stay in the denominator and amortization is not added back, so it reads below a reported ROTCE.","sources":[{"source":"xbrl","tags":["NetIncomeLossAvailableToCommonStockholdersBasic","StockholdersEquity","PreferredStockValue","Goodwill"]}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"sec_ea","label":"Securities share of earning assets","short":"Sec/EA","lens":"cio","sublens":"size","unit":"pct","direction":"contextual","formula":"SC/ERNAST*100","sources":[{"source":"fdic","fields":["SC","ERNAST"]}],"level":"bank","cadence":"quarterly","caveat":"Trading securities are excluded. Trust banks and post-2021 deposit gatherers run high by design.","tier":"A","inHeadline":true,"headlineIn":["cio"],"plain":"Securities over total earning assets, at quarter-end.","why":"Sets how much margin depends on the investment book versus lending."},{"id":"sec_deposits","label":"Securities to deposits","short":"Sec/Dep","lens":"cio","sublens":"size","unit":"pct","direction":"contextual","formula":"SC/DEP*100","sources":[{"source":"fdic","fields":["SC","DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Foreign deposits inflate the denominator for global banks.","tier":"A","plain":"Securities over total deposits, at quarter-end.","why":"How much of the deposit base sits in bonds rather than loans."},{"id":"liquid_assets_share","label":"Securities plus cash to assets","short":"Sec+cash","lens":"cio","sublens":"size","unit":"pct","direction":"contextual","formula":"(SC+CHBAL)/ASSET*100","sources":[{"source":"fdic","fields":["SC","CHBAL","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Includes pledged and HTM securities, so it overstates available liquidity.","tier":"A","alsoIn":["treasury"],"plain":"Securities plus cash and balances due from banks, over total assets.","why":"How much of the balance sheet sits outside credit."},{"id":"afs_share","label":"AFS share of debt securities","short":"AFS %","lens":"cio","sublens":"classification","unit":"pct","direction":"contextual","formula":"SCAF/(SCAF+SCHA)*100","sources":[{"source":"fdic","fields":["SCAF","SCHA"]}],"level":"bank","cadence":"quarterly","caveat":"AFS is marked to market, HTM is at cost. A shift to HTM cuts AOCI swings, not economic risk.","tier":"A","inHeadline":true,"headlineIn":["cio"],"plain":"AFS at fair value over AFS at fair value plus HTM at amortized cost.","why":"Classification decides what hits AOCI and regulatory capital."},{"id":"htm_share","label":"HTM share of debt securities","short":"HTM %","lens":"cio","sublens":"classification","unit":"pct","direction":"contextual","formula":"SCHA/(SCAF+SCHA)*100","sources":[{"source":"fdic","fields":["SCHA","SCAF"]}],"level":"bank","cadence":"quarterly","caveat":"Read with HTM gap %.","tier":"A","plain":"HTM at amortized cost over AFS at fair value plus HTM at amortized cost.","why":"Large HTM books limit flexibility: selling one taints the rest."},{"id":"afs_gap_usd","label":"AFS unrealized G/L, pre-tax","short":"AFS gap","lens":"cio","sublens":"marks","unit":"usd","direction":"higher","formula":"(SCAF-SCAA)*1000","sources":[{"source":"fdic","fields":["SCAF","SCAA"]}],"level":"bank","cadence":"quarterly","caveat":"Scales with bank size: rank on AFS gap %. Fair value hedge basis adjustments offset part of the mark.","tier":"A","plain":"AFS fair value less AFS amortized cost, pre-tax.","why":"The piece already inside AOCI."},{"id":"htm_gap_usd","label":"HTM unrealized G/L, pre-tax","short":"HTM gap","lens":"cio","sublens":"marks","unit":"usd","direction":"higher","formula":"(SCHF-SCHA)*1000","sources":[{"source":"fdic","fields":["SCHF","SCHA"]}],"level":"bank","cadence":"quarterly","caveat":"Scales with bank size: rank on HTM gap %. Excludes losses frozen in AOCI on AFS-to-HTM transfers. Bank charter only.","tier":"A","plain":"HTM fair value less HTM amortized cost, pre-tax.","why":"The loss outside equity, recognized only on sale or a fully marked capital view."},{"id":"total_gap_usd","label":"Securities unrealized G/L, pre-tax","short":"Sec gap","lens":"cio","sublens":"marks","unit":"usd","direction":"higher","formula":"((SCAF-SCAA)+(SCHF-SCHA))*1000","sources":[{"source":"fdic","fields":["SCAF","SCAA","SCHF","SCHA"]}],"level":"bank","cadence":"quarterly","caveat":"Scales with bank size. Excludes loan and deposit marks, which may offset economically.","tier":"A","plain":"AFS and HTM fair value less amortized cost, combined, pre-tax.","why":"Total securities mark the bank carries, inside and outside equity."},{"id":"afs_gap_pct","label":"AFS gap to amortized cost","short":"AFS gap %","lens":"cio","sublens":"marks","unit":"pct","direction":"higher","formula":"(SCAF-SCAA)/SCAA*100","sources":[{"source":"fdic","fields":["SCAF","SCAA"]}],"level":"bank","cadence":"quarterly","caveat":"Fair value hedges shrink the gap: read with swap notional.","tier":"A","plain":"AFS fair value less amortized cost, over amortized cost.","why":"Rough read on AFS duration and purchase vintage."},{"id":"htm_gap_pct","label":"HTM gap to amortized cost","short":"HTM gap %","lens":"cio","sublens":"marks","unit":"pct","direction":"higher","formula":"(SCHF-SCHA)/SCHA*100","sources":[{"source":"fdic","fields":["SCHF","SCHA"]}],"level":"bank","cadence":"quarterly","caveat":"AFS-to-HTM transfers reset cost to fair value, so transfer-date losses sit in AOCI and flatter this gap. Long 2020-21 agency MBS show the worst.","tier":"A","inHeadline":true,"headlineIn":["cio"],"plain":"HTM fair value less amortized cost, over amortized cost.","why":"Shows how long and how badly timed HTM purchases were."},{"id":"total_gap_cet1","label":"After-tax securities marks to CET1","short":"Gap/CET1","lens":"cio","sublens":"marks","unit":"pct","direction":"higher","formula":"((SCAF-SCAA)+(SCHF-SCHA))*(1-0.21)/RBCT1C*100","sources":[{"source":"fdic","fields":["SCAF","SCAA","SCHF","SCHA","RBCT1C"]}],"level":"bank","cadence":"quarterly","caveat":"Banks already carrying AOCI in CET1 have absorbed the AFS part, so their reading overstates the incremental hit.","tier":"A","inHeadline":true,"headlineIn":["cio"],"alsoIn":["capital"],"plain":"AFS and HTM unrealized gain or loss, after tax at 21%, over CET1.","why":"How much CET1 the securities marks would consume if fully recognized."},{"id":"aoci_usd","label":"AOCI balance","short":"AOCI","lens":"cio","sublens":"marks","unit":"usd","direction":"higher","formula":"(EQUPTOT-EQUPGR-EQOTHCC)*1000","sources":[{"source":"fdic","fields":["EQUPTOT","EQUPGR","EQOTHCC"]},{"source":"xbrl","tags":["AccumulatedOtherComprehensiveIncomeLossNetOfTax"]}],"level":"bank","cadence":"quarterly","caveat":"Derived, since FDIC has no AOCI stock field; ties to the call report. Scales with bank size: rank on AOCI/TCE.","tier":"A","alsoIn":["capital"],"plain":"AOCI balance, derived from the bank's equity components.","why":"Sum of securities, hedge and pension marks in equity."},{"id":"aoci_equity","label":"AOCI to equity","short":"AOCI/Eq","lens":"cio","sublens":"marks","unit":"pct","direction":"higher","formula":"(EQUPTOT-EQUPGR-EQOTHCC)/EQ*100","sources":[{"source":"fdic","fields":["EQUPTOT","EQUPGR","EQOTHCC","EQ"]}],"level":"bank","cadence":"quarterly","caveat":"Includes pension and cash-flow hedge components.","tier":"A","alsoIn":["capital"],"plain":"AOCI balance over total bank equity.","why":"Share of book equity lost to marks."},{"id":"aoci_tce","label":"AOCI to tangible common equity","short":"AOCI/TCE","lens":"cio","sublens":"marks","unit":"pct","direction":"higher","formula":"(EQUPTOT-EQUPGR-EQOTHCC)/(EQ-EQPP-INTANGW-INTANOTH)*100","sources":[{"source":"fdic","fields":["EQUPTOT","EQUPGR","EQOTHCC","EQ","EQPP","INTANGW","INTANOTH"]}],"level":"bank","cadence":"quarterly","caveat":"Includes pension and hedge marks. Reversal fails if the book is sold or rates stay high.","tier":"A","alsoIn":["capital"],"plain":"AOCI balance over equity less preferred, goodwill and other intangibles.","why":"Tangible book that pull to par could bring back."},{"id":"aoci_hc","label":"AOCI to equity ex goodwill, holding","short":"AOCI/Eq HC","lens":"cio","sublens":"marks","unit":"pct","direction":"higher","formula":"{AccumulatedOtherComprehensiveIncomeLossNetOfTax}/({StockholdersEquity}-nz({PreferredStockValue})-{Goodwill})*100","sources":[{"source":"xbrl","tags":["AccumulatedOtherComprehensiveIncomeLossNetOfTax","StockholdersEquity","PreferredStockValue","Goodwill"]}],"level":"holding","cadence":"quarterly","caveat":"Other intangibles stay in the denominator, so readings run lower than bank-level AOCI/TCE.","tier":"B","plain":"Holding company AOCI over equity less preferred and goodwill.","why":"Group-wide view including parent-level hedges."},{"id":"sec_yield","label":"Securities yield","short":"Sec yield","lens":"cio","sublens":"income","unit":"pct","direction":"higher","formula":"ISCQ*4/SC2*100","sources":[{"source":"fdic","fields":["ISCQ","SC2"]}],"level":"bank","cadence":"quarterly","caveat":"Not FTE: muni-heavy books such as Frost understate. Negative AFS marks shrink the denominator and lift the yield; use yield on amortized cost to compare.","tier":"A","inHeadline":true,"headlineIn":["cio"],"plain":"Quarterly securities income, annualized, over average securities at carrying value.","why":"Back-book earning rate, the base for reinvestment arithmetic."},{"id":"sec_yield_cost","label":"Securities yield on amortized cost","short":"Sec yld AC","lens":"cio","sublens":"income","unit":"pct","direction":"higher","formula":"ISCQ*4/avg(SCAA+SCHA,2)*100","sources":[{"source":"fdic","fields":["ISCQ","SCAA","SCHA"]}],"level":"bank","cadence":"quarterly","caveat":"Income includes equity dividends with no equity balance beneath them; matters at a few banks only. Not FTE.","tier":"A","plain":"Quarterly securities income, annualized, over average AFS plus HTM at amortized cost.","why":"Takes marks out of the book yield."},{"id":"sec_yield_vs_5y","label":"Back-book yield minus 5y Treasury","short":"Roll-up 5y","lens":"cio","sublens":"income","unit":"bps","direction":"contextual","formula":"(ISCQ*4/avg(SCAA+SCHA,2)*100-UST5Q)*100","sources":[{"source":"fdic","fields":["ISCQ","SCAA","SCHA"]},{"source":"fed","fields":["H.15 DGS5 quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"New-money yields also depend on spread and sector.","tier":"A","inHeadline":true,"headlineIn":["cio"],"alsoIn":["treasury"],"plain":"Yield on amortized cost less the quarter-average 5-year Treasury yield, in basis points.","why":"Negative means maturities reinvest higher: the NII tailwind CIOs quote."},{"id":"sec_int_share","label":"Securities share of interest income","short":"Sec inc %","lens":"cio","sublens":"income","unit":"pct","direction":"contextual","formula":"ISCQ/INTINQ*100","sources":[{"source":"fdic","fields":["ISCQ","INTINQ"]}],"level":"bank","cadence":"quarterly","caveat":"Trading-account interest stays in the denominator only, which lowers the share at dealers.","tier":"A","plain":"Quarterly securities income over quarterly total interest income.","why":"How much interest income depends on the book."},{"id":"cash_yield_vs_ff","label":"Cash yield minus fed funds","short":"Cash spread","lens":"cio","sublens":"income","unit":"bps","direction":"higher","formula":"(ICHBALQ*4/avg(CHBALI,2)*100-FFQ)*100","sources":[{"source":"fdic","fields":["ICHBALQ","CHBALI"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"Average uses two quarter-ends, so quarter-end swings distort it. Foreign central bank balances earn other rates.","tier":"A","alsoIn":["treasury"],"plain":"Quarterly interest on bank balances, annualized, over average interest-bearing cash, less fed funds, in basis points.","why":"Whether liquidity earns the policy rate."},{"id":"sec_gl_realised","label":"Realized AFS gains to securities","short":"AFS G/L","lens":"cio","sublens":"income","unit":"bps","direction":"neutral","formula":"IGLSCAQ*4/SC2*10000","sources":[{"source":"fdic","fields":["IGLSCAQ","SC2"]}],"level":"bank","cadence":"quarterly","caveat":"One-off sales are multiplied by four when annualized. Read with the change in securities yield two quarters later.","tier":"A","plain":"Quarterly realized AFS gains or losses, annualized, over average securities, in basis points.","why":"Shows who repositioned and when."},{"id":"sc_ust","label":"US Treasury share of securities","short":"UST %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCUST/SC*100","sources":[{"source":"fdic","fields":["SCUST","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Swapped Treasuries count in full, so hedged books carry less rate risk than the share shows.","tier":"A","plain":"US Treasury securities over total securities.","why":"Rate exposure with no spread or prepayment risk."},{"id":"sc_agency_mbs","label":"Agency RMBS share of securities","short":"Agency RMBS","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCGTY/SC*100","sources":[{"source":"fdic","fields":["SCGTY","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes agency CMBS.","tier":"A","plain":"Agency-issued or guaranteed residential MBS over total securities.","why":"Extension risk sits here; 2020-21 vintages have the largest marks."},{"id":"sc_cmbs","label":"Commercial MBS share of securities","short":"CMBS %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCCMMB/SC*100","sources":[{"source":"fdic","fields":["SCCMMB","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Mixes agency and private, so a high share does not by itself mean CRE credit risk.","tier":"A","plain":"Agency and private commercial MBS over total securities.","why":"Spread exposure, and CRE credit exposure on the private part."},{"id":"sc_plrmbs","label":"Private-label RMBS share","short":"PL RMBS %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCRMBPI/SC*100","sources":[{"source":"fdic","fields":["SCRMBPI","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Zero at most of the top 50.","tier":"A","plain":"Privately issued residential MBS over total securities.","why":"Credit-sensitive piece, under supervisory focus."},{"id":"sc_muni","label":"Municipal share of securities","short":"Municipal %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCMUNI/SC*100","sources":[{"source":"fdic","fields":["SCMUNI","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Pre-FTE yield understates return.","tier":"A","plain":"Municipal securities over total securities.","why":"Tax-exempt income and long duration."},{"id":"sc_abs","label":"ABS share of securities","short":"ABS %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCABS/SC*100","sources":[{"source":"fdic","fields":["SCABS","SC"]}],"level":"bank","cadence":"quarterly","caveat":"CLOs and CDOs report under structured products, not here.","tier":"A","plain":"Asset-backed securities over total securities.","why":"Short, often floating diversifier."},{"id":"sc_structured","label":"Structured products share","short":"SFP %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCSFP/SC*100","sources":[{"source":"fdic","fields":["SCSFP","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Does not separate senior CLO from lower tranches.","tier":"A","plain":"Structured financial products, such as CLOs and CDOs, over total securities.","why":"CLO and CDO exposure."},{"id":"sc_foreign","label":"Foreign debt share of securities","short":"Foreign %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCFORD/SC*100","sources":[{"source":"fdic","fields":["SCFORD","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Material at global banks only. Includes foreign corporates.","tier":"A","plain":"Foreign debt securities over total securities.","why":"Mostly sovereign paper held against foreign-office deposits."},{"id":"sc_other_dom","label":"Other domestic debt share","short":"Oth dom %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCDOMO/SC*100","sources":[{"source":"fdic","fields":["SCDOMO","SC"]}],"level":"bank","cadence":"quarterly","caveat":"CLOs report under structured products, not here.","tier":"A","plain":"Other domestic debt securities over total securities.","why":"Corporate and bank credit in the book."},{"id":"sc_mbs_total","label":"Mortgage-backed share of securities","short":"MBS %","lens":"cio","sublens":"composition","unit":"pct","direction":"contextual","formula":"SCMTGBK/SC*100","sources":[{"source":"fdic","fields":["SCMTGBK","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Mixes agency and private, so it says nothing on credit.","tier":"A","inHeadline":true,"headlineIn":["cio"],"plain":"All mortgage-backed securities, residential and commercial, agency and private, over total securities.","why":"Prepayment and extension exposure in one number."},{"id":"sec_wal","label":"Securities maturity proxy","short":"Mat proxy","lens":"cio","sublens":"duration","unit":"years","direction":"lower","formula":"((SCNM3LES*0.125+SCNM3T12*0.625+SCNM1T3*2+SCNM3T5*4+SCNM5T15*10+SCNMOV15*20+SCPT3LES*0.125+SCPT3T12*0.625+SCPT1T3*2+SCPT3T5*4+SCPT5T15*10+SCPTOV15*20+SCO3YLES*1.5+SCOOV3Y*7)/(SCNM3LES+SCNM3T12+SCNM1T3+SCNM3T5+SCNM5T15+SCNMOV15+SCPT3LES+SCPT3T12+SCPT1T3+SCPT3T5+SCPT5T15+SCPTOV15+SCO3YLES+SCOOV3Y))","sources":[{"source":"fdic","fields":["SCNM3LES","SCNM3T12","SCNM1T3","SCNM3T5","SCNM5T15","SCNMOV15","SCPT3LES","SCPT3T12","SCPT1T3","SCPT3T5","SCPT5T15","SCPTOV15","SCO3YLES","SCOOV3Y"]}],"level":"bank","cadence":"quarterly","caveat":"Ranking tool, not duration. Pass-through maturity runs far past cash-flow life, so MBS-heavy books read long. Prefer disclosed duration.","tier":"A","plain":"Balance-weighted midpoint of contractual maturity or repricing buckets across debt securities, in years. Not duration or weighted average life.","why":"Public data has no duration field; this proxy ranks who is longest."},{"id":"sec_over5","label":"Securities repricing over 5 years","short":">5y %","lens":"cio","sublens":"duration","unit":"pct","direction":"lower","formula":"(SCNM5T15+SCNMOV15+SCPT5T15+SCPTOV15)/(SCRDEBT-nz(SCO3YLES)-nz(SCOOV3Y))*100","sources":[{"source":"fdic","fields":["SCNM5T15","SCNMOV15","SCPT5T15","SCPTOV15","SCRDEBT","SCO3YLES","SCOOV3Y"]}],"level":"bank","cadence":"quarterly","caveat":"CMOs are left out of both sides, since their top bucket starts at 3 years. Swapped assets read long.","tier":"A","inHeadline":true,"headlineIn":["cio"],"plain":"Non-mortgage and pass-through securities with maturity or repricing over 5 years, over debt securities excluding CMOs.","why":"Long-end concentration of the book."},{"id":"sec_under1","label":"Debt securities under 1 year","short":"<1y %","lens":"cio","sublens":"duration","unit":"pct","direction":"higher","formula":"SC1LES/SCRDEBT*100","sources":[{"source":"fdic","fields":["SC1LES","SCRDEBT"]}],"level":"bank","cadence":"quarterly","caveat":"Remaining maturity, not repricing.","tier":"A","alsoIn":["treasury"],"plain":"Debt securities with remaining maturity of one year or less, over debt securities.","why":"Near-term runoff that reprices or funds loan growth."},{"id":"sec_ladder_u1","label":"Securities repricing under 1 year","short":"Sec <1y","lens":"cio","sublens":"duration","unit":"pct","direction":"contextual","formula":"(SCNM3LES+SCNM3T12+SCPT3LES+SCPT3T12)/(SCRDEBT-nz(SCO3YLES)-nz(SCOOV3Y))*100","sources":[{"source":"fdic","fields":["SCNM3LES","SCNM3T12","SCPT3LES","SCPT3T12","SCRDEBT","SCO3YLES","SCOOV3Y"]}],"level":"bank","cadence":"quarterly","caveat":"CMOs are left out of both sides, since their top bucket starts at 3 years. Swapped assets read long.","tier":"A","plain":"Non-mortgage and pass-through securities with maturity or repricing within 1 year, over debt securities excluding CMOs.","why":"One rung of the securities ladder."},{"id":"sec_ladder_1t3","label":"Securities repricing in 1 to 3 years","short":"Sec 1-3y","lens":"cio","sublens":"duration","unit":"pct","direction":"contextual","formula":"(SCNM1T3+SCPT1T3)/(SCRDEBT-nz(SCO3YLES)-nz(SCOOV3Y))*100","sources":[{"source":"fdic","fields":["SCNM1T3","SCPT1T3","SCRDEBT","SCO3YLES","SCOOV3Y"]}],"level":"bank","cadence":"quarterly","caveat":"CMOs are left out of both sides, since their top bucket starts at 3 years. Swapped assets read long.","tier":"A","plain":"Non-mortgage and pass-through securities with maturity or repricing in 1 to 3 years, over debt securities excluding CMOs.","why":"One rung of the securities ladder."},{"id":"sec_ladder_3t5","label":"Securities repricing in 3 to 5 years","short":"Sec 3-5y","lens":"cio","sublens":"duration","unit":"pct","direction":"contextual","formula":"(SCNM3T5+SCPT3T5)/(SCRDEBT-nz(SCO3YLES)-nz(SCOOV3Y))*100","sources":[{"source":"fdic","fields":["SCNM3T5","SCPT3T5","SCRDEBT","SCO3YLES","SCOOV3Y"]}],"level":"bank","cadence":"quarterly","caveat":"CMOs are left out of both sides, since their top bucket starts at 3 years. Swapped assets read long.","tier":"A","plain":"Non-mortgage and pass-through securities with maturity or repricing in 3 to 5 years, over debt securities excluding CMOs.","why":"One rung of the securities ladder."},{"id":"sec_ladder_5t15","label":"Securities repricing in 5 to 15 years","short":"Sec 5-15y","lens":"cio","sublens":"duration","unit":"pct","direction":"contextual","formula":"(SCNM5T15+SCPT5T15)/(SCRDEBT-nz(SCO3YLES)-nz(SCOOV3Y))*100","sources":[{"source":"fdic","fields":["SCNM5T15","SCPT5T15","SCRDEBT","SCO3YLES","SCOOV3Y"]}],"level":"bank","cadence":"quarterly","caveat":"CMOs are left out of both sides, since their top bucket starts at 3 years. Swapped assets read long.","tier":"A","plain":"Non-mortgage and pass-through securities with maturity or repricing in 5 to 15 years, over debt securities excluding CMOs.","why":"One rung of the securities ladder."},{"id":"sec_ladder_ov15","label":"Securities repricing over 15 years","short":"Sec >15y","lens":"cio","sublens":"duration","unit":"pct","direction":"contextual","formula":"(SCNMOV15+SCPTOV15)/(SCRDEBT-nz(SCO3YLES)-nz(SCOOV3Y))*100","sources":[{"source":"fdic","fields":["SCNMOV15","SCPTOV15","SCRDEBT","SCO3YLES","SCOOV3Y"]}],"level":"bank","cadence":"quarterly","caveat":"CMOs are left out of both sides, since their top bucket starts at 3 years. Swapped assets read long.","tier":"A","plain":"Non-mortgage and pass-through securities with maturity or repricing beyond 15 years, over debt securities excluding CMOs.","why":"One rung of the securities ladder."},{"id":"assets_lt5","label":"Assets repricing beyond 5 years","short":"LT assets","lens":"cio","sublens":"duration","unit":"pct","direction":"lower","formula":"ASSTLT/ASSET*100","sources":[{"source":"fdic","fields":["ASSTLT","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Includes loans and securities. Excludes hedges.","tier":"A","alsoIn":["treasury"],"plain":"FDIC long-term assets, with maturity or repricing beyond 5 years, over total assets.","why":"Whole-balance-sheet rate positioning."},{"id":"sec_duration_reported","label":"Securities duration, disclosed","short":"Duration","lens":"cio","sublens":"duration","unit":"years","direction":"lower","formula":"[Effective duration of securities]","sources":[{"source":"transcript","labels":["duration of","portfolio duration","securities duration"]},{"source":"filing","labels":["duration of","effective duration"]}],"level":"holding","cadence":"quarterly","caveat":"Disclosed in calls or decks, with hedged and unhedged figures mixed across banks. Blank where not disclosed.","tier":"C","inHeadline":true,"headlineIn":["cio"],"plain":"As disclosed on earnings calls or in filings.","why":"The direct measure of book risk, where peers give it."},{"id":"sec_pledged_share","label":"Pledged share of securities","short":"Pledged %","lens":"cio","sublens":"liquidity","unit":"pct","direction":"lower","formula":"SCPLEDGE/SC*100","sources":[{"source":"fdic","fields":["SCPLEDGE","SC"]}],"level":"bank","cadence":"quarterly","caveat":"Trust banks and public-fund takers pledge heavily by design.","tier":"A","alsoIn":["treasury"],"plain":"Pledged securities over total securities.","why":"Encumbrance limits how fast the book converts to cash."},{"id":"sec_lent","label":"Securities lent to assets","short":"Sec lent","lens":"cio","sublens":"liquidity","unit":"pct","direction":"contextual","formula":"SCLENT/ASSET*100","sources":[{"source":"fdic","fields":["SCLENT","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Mostly customer securities at custody banks, so it can run large against assets (JPM $879bn).","tier":"A","plain":"Securities lent over total assets.","why":"Custody lending programs create indemnified exposure."},{"id":"sec_acl_htm","label":"ACL on HTM to HTM balance","short":"HTM ACL","lens":"cio","sublens":"credit","unit":"bps","direction":"lower","formula":"SCHTMRES/SCHA*10000","sources":[{"source":"fdic","fields":["SCHTMRES","SCHA"]}],"level":"bank","cadence":"quarterly","caveat":"Treasuries and agencies carry zero expected loss, so the mix drives this before credit view does.","tier":"A","alsoIn":["credit"],"plain":"ACL on HTM securities over HTM amortized cost, in basis points.","why":"Signals credit content inside HTM."},{"id":"sec_turnover","label":"AFS purchases to average AFS","short":"AFS buys","lens":"cio","sublens":"activity","unit":"pct","direction":"contextual","formula":"sum4({PaymentsToAcquireAvailableForSaleSecuritiesDebt})/avg({DebtSecuritiesAvailableForSaleExcludingAccruedInterest},4)*100","sources":[{"source":"xbrl","tags":["PaymentsToAcquireAvailableForSaleSecuritiesDebt","DebtSecuritiesAvailableForSaleExcludingAccruedInterest"]}],"level":"holding","cadence":"quarterly","caveat":"AFS only: HTM purchases are not counted.","tier":"B","plain":"AFS purchases over the last four quarters, over average AFS balance.","why":"How actively the book is being rebuilt."},{"id":"sec_runoff","label":"Maturities and calls to AFS","short":"Runoff","lens":"cio","sublens":"activity","unit":"pct","direction":"higher","formula":"sum4({ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities})/avg({DebtSecuritiesAvailableForSaleExcludingAccruedInterest},4)*100","sources":[{"source":"xbrl","tags":["ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities","DebtSecuritiesAvailableForSaleExcludingAccruedInterest"]}],"level":"holding","cadence":"quarterly","caveat":"HTM cash flows are left out, so total securities runoff at an HTM-heavy bank is higher than this shows.","tier":"B","alsoIn":["treasury"],"plain":"AFS maturities, prepayments and calls over four quarters, over average AFS balance.","why":"Cash the portfolio throws off each year, the input to reinvestment tailwind."},{"id":"afs_over10_share","label":"AFS maturing after 10 years","short":"AFS >10y","lens":"cio","sublens":"duration","unit":"pct","direction":"lower","formula":"{AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue}/{DebtSecuritiesAvailableForSaleExcludingAccruedInterest}*100","sources":[{"source":"xbrl","tags":["AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue","DebtSecuritiesAvailableForSaleExcludingAccruedInterest"]}],"level":"holding","cadence":"quarterly","caveat":"Contractual maturity.","tier":"B","plain":"AFS debt maturing after 10 years over total AFS debt, both at fair value.","why":"Holding-level long-end view, tied to the 10-Q maturity table."},{"id":"ir_notional_assets","label":"Rate derivative notional to assets","short":"IR notl","lens":"cio","sublens":"hedges","unit":"x","direction":"contextual","formula":"RT/ASSET","sources":[{"source":"fdic","fields":["RT","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Dealer client activity dominates at the top (JPM about 9.6x). Use for non-dealer peers only.","tier":"A","inHeadline":true,"headlineIn":["cio"],"alsoIn":["treasury"],"plain":"Total interest rate derivative notional over total assets, as a multiple.","why":"Scale of rate derivatives on the bank charter."},{"id":"swap_notional_earn","label":"Swap notional to earning assets","short":"Swaps/EA","lens":"cio","sublens":"hedges","unit":"pct","direction":"contextual","formula":"RTNVS/ERNAST*100","sources":[{"source":"fdic","fields":["RTNVS","ERNAST"]}],"level":"bank","cadence":"quarterly","caveat":"Includes customer swaps, usually paired back to back, and dealer books (JPM over 700%). Use for non-dealer peers only.","tier":"A","alsoIn":["treasury"],"plain":"Interest rate swap notional over total earning assets.","why":"For non-dealers this is close to the size of the ALM hedge programme."},{"id":"option_notional_assets","label":"Net rate options to assets","short":"Net options","lens":"cio","sublens":"hedges","unit":"pct","direction":"contextual","formula":"(RTPOC-RTWOC)/ASSET*100","sources":[{"source":"fdic","fields":["RTPOC","RTWOC","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Does not separate caps from floors. Client pass-through nets near zero at regionals, so read non-zero values there, not at dealers.","tier":"A","plain":"Purchased less written interest rate option notional, over total assets.","why":"Whether the bank is a net buyer of rate options, such as floors."},{"id":"hedge_notional_cf","label":"Cash-flow hedge notional","short":"CF hedges","lens":"cio","sublens":"hedges","unit":"usd","direction":"contextual","formula":"[Cash flow hedges notional]","sources":[{"source":"filing","labels":["cash flow hedges","Cash flow hedges"]},{"source":"release","labels":["Cash flow hedges","swaps"]},{"source":"xbrl","tags":["DerivativeNotionalAmount"]}],"level":"holding","cadence":"quarterly","caveat":"Footnotes only, and labeling varies. Pay-fixed swaps on floating liabilities can sit in the same line.","tier":"C","inHeadline":true,"headlineIn":["cio"],"alsoIn":["treasury"],"plain":"As disclosed in the derivatives footnote or earnings release.","why":"Receive-fixed swaps protect NII from lower rates and are the main swap-book decision."},{"id":"hedge_notional_fv","label":"Fair value hedge notional","short":"FV hedges","lens":"cio","sublens":"hedges","unit":"usd","direction":"contextual","formula":"[Fair value hedges notional]","sources":[{"source":"filing","labels":["fair value hedges","Fair value hedges"]},{"source":"xbrl","tags":["DerivativeNotionalAmount"]}],"level":"holding","cadence":"quarterly","caveat":"Footnotes only, and labeling varies. Receive-fixed swaps on debt can sit in the same line.","tier":"C","alsoIn":["treasury"],"plain":"As disclosed in the derivatives footnote.","why":"Pay-fixed on AFS or last-of-layer protects capital from higher rates."},{"id":"deriv_notional_tag","label":"Derivative notional, holding tag","short":"Notional","lens":"cio","sublens":"hedges","unit":"usd","direction":"neutral","formula":"{DerivativeNotionalAmount}","sources":[{"source":"xbrl","tags":["DerivativeNotionalAmount"]}],"level":"holding","cadence":"quarterly","caveat":"The undimensioned total, so a value may be partial.","tier":"B","plain":"Total derivative notional as tagged in the 10-Q or 10-K.","why":"Headline figure available in structured form."},{"id":"lol_basis","label":"Portfolio layer hedge basis adj.","short":"Layer basis","lens":"cio","sublens":"hedges","unit":"usd","direction":"contextual","formula":"{HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease}","sources":[{"source":"xbrl","tags":["HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease"]}],"level":"holding","cadence":"quarterly","tier":"B","plain":"Cumulative basis adjustment on portfolio layer hedged assets, as tagged in the 10-Q or 10-K.","why":"Size and gain or loss on portfolio layer hedges of securities and loans."},{"id":"cf_reclass_12m","label":"CF hedge AOCI reclass, next 12m","short":"CF reclass","lens":"cio","sublens":"hedges","unit":"usd","direction":"higher","formula":"{CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths}","sources":[{"source":"xbrl","tags":["CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"]}],"level":"holding","cadence":"quarterly","caveat":"Filers mix pre-tax and after-tax.","tier":"B","alsoIn":["treasury"],"plain":"Cash-flow hedge AOCI expected to reclassify into earnings in 12 months, as tagged in the 10-Q or 10-K.","why":"NII headwind or tailwind already locked in by the swap book."},{"id":"arm_share","label":"Adjustable share of 1-4 first liens","short":"ARM %","lens":"cio","sublens":"duration","unit":"pct","direction":"contextual","formula":"LNRERSF1/LNRERSFM*100","sources":[{"source":"fdic","fields":["LNRERSF1","LNRERSFM"]}],"level":"bank","cadence":"quarterly","caveat":"FDIC field is revolving and adjustable first-lien balance.","tier":"A","alsoIn":["treasury","consumer"],"plain":"Adjustable-rate 1-4 family first liens over total 1-4 family first liens.","why":"Rate positioning of the mortgage book, which competes with MBS for the same risk budget."},{"id":"dep_cost","label":"Cost of total deposits","short":"Dep cost","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"((EDEPDOMQ+nz(EDEPFORQ))*4/DEP2*100)","sources":[{"source":"fdic","fields":["EDEPDOMQ","EDEPFORQ","DEP2"]},{"source":"xbrl","tags":["InterestExpenseDeposits","Deposits"]}],"level":"bank","cadence":"quarterly","caveat":"Foreign office deposits lift the rate at global banks; compare retail franchises on domestic deposit cost. Quarter x4 with no day count, so QoQ moves carry up to 4bp of calendar noise.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"alsoIn":["cfo"],"plain":"Quarterly deposit interest expense, annualized, over average total deposits.","why":"The headline funding benchmark against peers."},{"id":"dep_cost_domestic","label":"Cost of domestic deposits","short":"Dep cost US","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"EDEPDOMQ*4/avg(DEPDOM,2)*100","sources":[{"source":"fdic","fields":["EDEPDOMQ","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"Includes treasury sweep and corporate balances, so it is not a pure retail rate.","tier":"A","plain":"Quarterly domestic office deposit interest, annualized, over average domestic deposits.","why":"Removes foreign-office rate differentials."},{"id":"ib_dep_cost","label":"Cost of interest-bearing deposits","short":"IB dep cost","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"((EDEPDOMQ+nz(EDEPFORQ))*4/avg(DEPI,2)*100)","sources":[{"source":"fdic","fields":["EDEPDOMQ","EDEPFORQ","DEPI"]}],"level":"bank","cadence":"quarterly","caveat":"A strong NIB share can sit beside a high IB cost; read both.","tier":"A","plain":"Quarterly deposit interest expense, annualized, over average interest-bearing deposits.","why":"The rate paid on the paying book, with the NIB benefit stripped out."},{"id":"cost_transaction","label":"Transaction account cost","short":"Txn cost","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"ETRANDPQ*4/avg(TRN,2)*100","sources":[{"source":"fdic","fields":["ETRANDPQ","TRN"]}],"level":"bank","cadence":"quarterly","caveat":"Denominator includes noninterest demand, so NIB mix moves it. Domestic only. For the paying rate, use the IB transaction account rate.","tier":"A","plain":"Quarterly transaction account interest, annualized, over average transaction accounts including noninterest demand.","why":"Pricing on checking and NOW balances, blended with free demand."},{"id":"cost_savings","label":"Savings and MMDA cost","short":"Sav cost","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"ESAVDPQ*4/avg(NTRSMMDA+NTRSOTH,2)*100","sources":[{"source":"fdic","fields":["ESAVDPQ","NTRSMMDA","NTRSOTH"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic only; high-yield online savings mix drives it.","tier":"A","plain":"Quarterly savings and MMDA interest, annualized, over average savings and MMDA balances.","why":"Largest rate-sensitive retail pool."},{"id":"cost_time","label":"Time deposit cost","short":"Time cost","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"(ECD100Q+EOTHTIMQ)*4/avg(NTRTIME,2)*100","sources":[{"source":"fdic","fields":["ECD100Q","EOTHTIMQ","NTRTIME"]}],"level":"bank","cadence":"quarterly","caveat":"Brokered CDs included.","tier":"A","plain":"Quarterly interest on domestic time deposits, annualized, over average time deposits.","why":"The closest deposit read on marginal funding cost."},{"id":"cost_foreign","label":"Foreign office deposit cost","short":"Fgn cost","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"nz(EDEPFORQ)*4/avg(nz(DEPFOR),2)*100","sources":[{"source":"fdic","fields":["EDEPFORQ","DEPFOR"]}],"level":"bank","cadence":"quarterly","caveat":"Null for domestic-only banks; currency mix drives the rate.","tier":"A","plain":"Quarterly foreign office deposit interest, annualized, over average foreign office deposits.","why":"Isolates global cash-management balances."},{"id":"cost_repo","label":"Cost of fed funds and repo","short":"Repo cost","lens":"treasury","sublens":"wholesale_cost","unit":"pct","direction":"lower","formula":"iff(FREPP/LIAB>0.01,EFREPPQ*4/avg(FREPP,2)*100,NULL)","sources":[{"source":"fdic","fields":["FREPP","LIAB","EFREPPQ"]}],"level":"bank","cadence":"quarterly","caveat":"Quarter-end balances run below the true average at dealers, which overstates cost. Use repo cost on quarter average for dealers.","tier":"A","plain":"Quarterly fed funds and repo interest, annualized, over average quarter-end balances; shown when balances exceed 1% of liabilities.","why":"Secured wholesale pricing."},{"id":"cost_other_borrow","label":"Cost of other borrowings","short":"Borrow cost","lens":"treasury","sublens":"wholesale_cost","unit":"pct","direction":"lower","formula":"EOTHINTQ*4/avg(OTHBRF+SUBND,2)*100","sources":[{"source":"fdic","fields":["EOTHINTQ","OTHBRF","SUBND"]}],"level":"bank","cadence":"quarterly","caveat":"Numerator also holds interest on trading liabilities, which are not in the denominator, so dealers screen high.","tier":"A","plain":"Quarterly other interest expense, annualized, over average other borrowings and subordinated debt.","why":"Average cost of FHLB advances, other borrowed money and subordinated debt."},{"id":"beta_up_total","label":"Total deposit beta, hiking cycle","short":"Beta up","lens":"treasury","sublens":"beta","unit":"pct","direction":"lower","formula":"(maxw(((EDEPDOMQ+nz(EDEPFORQ))*4/DEP2*100),'2022-03-31','2024-12-31')-at(((EDEPDOMQ+nz(EDEPFORQ))*4/DEP2*100),'2021-12-31'))/(at(FFQ,'2024-06-30')-at(FFQ,'2021-12-31'))*100","sources":[{"source":"fdic","fields":["EDEPDOMQ","EDEPFORQ","DEP2"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"Cost is the bank's own peak, which allows for lag. Mid-cycle mergers (FCNCA/SVB, NYCB/Signature) break the series.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"alsoIn":["cfo"],"plain":"Peak total deposit cost in 2022-24 less Q4 2021 cost, over the rise in fed funds from Q4 2021 to Q2 2024.","why":"How much of the 525bp rise reached total deposit cost: the test of franchise pricing power."},{"id":"beta_up_ib","label":"IB deposit beta, hiking cycle","short":"IB beta up","lens":"treasury","sublens":"beta","unit":"pct","direction":"lower","formula":"(maxw(((EDEPDOMQ+nz(EDEPFORQ))*4/avg(DEPI,2)*100),'2022-03-31','2024-12-31')-at(((EDEPDOMQ+nz(EDEPFORQ))*4/avg(DEPI,2)*100),'2021-12-31'))/(at(FFQ,'2024-06-30')-at(FFQ,'2021-12-31'))*100","sources":[{"source":"fdic","fields":["EDEPDOMQ","EDEPFORQ","DEPI"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"Cost is the bank's own peak, which allows for lag. Mid-cycle mergers (FCNCA/SVB, NYCB/Signature) break the series.","tier":"A","alsoIn":["cfo"],"plain":"Peak IB deposit cost in 2022-24 less Q4 2021 cost, over the rise in fed funds from Q4 2021 to Q2 2024.","why":"Separates price from mix: a low total beta with a high IB beta means NIB did the work."},{"id":"beta_down_total","label":"Total deposit beta, easing cycle","short":"Beta down","lens":"treasury","sublens":"beta","unit":"pct","direction":"higher","formula":"(maxw(((EDEPDOMQ+nz(EDEPFORQ))*4/DEP2*100),'2024-03-31','2024-12-31')-((EDEPDOMQ+nz(EDEPFORQ))*4/DEP2*100))/(at(FFQ,'2024-06-30')-FFQ)*100","sources":[{"source":"fdic","fields":["EDEPDOMQ","EDEPFORQ","DEP2"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"CD lag holds it down in the first two to three quarters of cuts.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"alsoIn":["cfo"],"plain":"Peak total deposit cost in 2024 less current cost, over the fall in the federal funds rate since Q2 2024.","why":"How fast deposit cost has come back since the Fed began cutting."},{"id":"beta_down_ib","label":"IB deposit beta, easing cycle","short":"IB beta dn","lens":"treasury","sublens":"beta","unit":"pct","direction":"higher","formula":"(maxw(((EDEPDOMQ+nz(EDEPFORQ))*4/avg(DEPI,2)*100),'2024-03-31','2024-12-31')-((EDEPDOMQ+nz(EDEPFORQ))*4/avg(DEPI,2)*100))/(at(FFQ,'2024-06-30')-FFQ)*100","sources":[{"source":"fdic","fields":["EDEPDOMQ","EDEPFORQ","DEPI"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"CD lag holds it down in the first two to three quarters of cuts.","tier":"A","plain":"Peak IB deposit cost in 2024 less current cost, over the fall in the federal funds rate since Q2 2024.","why":"Price response on the paying book, free of NIB mix."},{"id":"beta_time_up","label":"Time deposit beta, hiking cycle","short":"Time beta","lens":"treasury","sublens":"beta","unit":"pct","direction":"lower","formula":"(maxw((ECD100Q+EOTHTIMQ)*4/avg(NTRTIME,2)*100,'2022-03-31','2024-12-31')-at((ECD100Q+EOTHTIMQ)*4/avg(NTRTIME,2)*100,'2021-12-31'))/(at(FFQ,'2024-06-30')-at(FFQ,'2021-12-31'))*100","sources":[{"source":"fdic","fields":["ECD100Q","EOTHTIMQ","NTRTIME"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"Brokered CD share drives it.","tier":"A","plain":"Peak time deposit cost in 2022-24 less Q4 2021 cost, over the rise in fed funds from Q4 2021 to Q2 2024.","why":"Market-priced deposit reaction: the reference for how far core rates stayed behind."},{"id":"beta_loan_up","label":"Loan yield beta, hiking cycle","short":"Loan beta","lens":"treasury","sublens":"beta","unit":"pct","direction":"higher","formula":"(maxw((ILNLSQ*4/LNLSGR2*100),'2022-03-31','2024-12-31')-at((ILNLSQ*4/LNLSGR2*100),'2021-12-31'))/(at(FFQ,'2024-06-30')-at(FFQ,'2021-12-31'))*100","sources":[{"source":"fdic","fields":["ILNLSQ","LNLSGR2"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"Fixed-rate mortgages lag for years, and purchase accretion adds noise.","tier":"A","alsoIn":["cio"],"plain":"Peak loan yield in 2022-24 less Q4 2021 yield, over the rise in fed funds from Q4 2021 to Q2 2024.","why":"Asset-side repricing speed: the other half of NIM behavior."},{"id":"beta_ea_up","label":"Earning asset beta, hiking cycle","short":"EA beta","lens":"treasury","sublens":"beta","unit":"pct","direction":"higher","formula":"(maxw((INTINQ*4/ERNAST2*100),'2022-03-31','2024-12-31')-at((INTINQ*4/ERNAST2*100),'2021-12-31'))/(at(FFQ,'2024-06-30')-at(FFQ,'2021-12-31'))*100","sources":[{"source":"fdic","fields":["INTINQ","ERNAST2"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"Cash share moves it strongly, so a cash-heavy balance sheet screens high.","tier":"A","plain":"Peak earning asset yield in 2022-24 less Q4 2021 yield, over the rise in fed funds from Q4 2021 to Q2 2024.","why":"Whole-asset repricing, including cash and securities."},{"id":"beta_gap_up","label":"Asset less funding beta, hiking","short":"Beta gap","lens":"treasury","sublens":"beta","unit":"pct","direction":"higher","formula":"(maxw((INTINQ*4/ERNAST2*100),'2022-03-31','2024-12-31')-at((INTINQ*4/ERNAST2*100),'2021-12-31')-(maxw(EINTXQ*4/ERNAST2*100,'2022-03-31','2024-12-31')-at(EINTXQ*4/ERNAST2*100,'2021-12-31')))/(at(FFQ,'2024-06-30')-at(FFQ,'2021-12-31'))*100","sources":[{"source":"fdic","fields":["INTINQ","ERNAST2","EINTXQ"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"Each peak is taken independently, so the two legs can fall in different quarters.","tier":"A","plain":"Rise in earning asset yield less rise in interest expense on earning assets, each to its 2022-24 peak, over the fed funds rise.","why":"How the margin responded to rates in the last cycle, as a check on modeled NII sensitivity."},{"id":"beta_q_total","label":"Quarterly deposit beta","short":"Beta q","lens":"treasury","sublens":"beta","unit":"pct","direction":"contextual","formula":"iff(abs(FFQ-lag(FFQ,1))>=0.1,(((EDEPDOMQ+nz(EDEPFORQ))*4/DEP2*100)-lag(((EDEPDOMQ+nz(EDEPFORQ))*4/DEP2*100),1))/(FFQ-lag(FFQ,1))*100,NULL)","sources":[{"source":"fdic","fields":["EDEPDOMQ","EDEPFORQ","DEP2"]},{"source":"fed","fields":["H.15 DFF quarter average"]}],"level":"bank","cadence":"quarterly","caveat":"Blank when fed funds moved under 10bp. High is bad in hikes and good in cuts, so it does not rank one way.","tier":"A","plain":"QoQ change in total deposit cost over QoQ change in fed funds; shown when fed funds moved at least 10bp.","why":"Immediate pass-through: the number treasurers ask about after each cut."},{"id":"nib_share","label":"NIB share of deposits","short":"NIB %","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"higher","formula":"DEPNI/DEP*100","sources":[{"source":"fdic","fields":["DEPNI","DEP"]},{"source":"xbrl","tags":["NoninterestBearingDepositLiabilities","Deposits"]}],"level":"bank","cadence":"quarterly","caveat":"Compensating balances and escrow inflate it and are rate-sensitive; read it through the cycle, not at one date.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"alsoIn":["cfo"],"plain":"Noninterest-bearing deposits over total deposits.","why":"Free funding is the most valuable liability a bank has."},{"id":"nib_decline","label":"NIB share change since Q4 2021","short":"NIB chg","lens":"treasury","sublens":"deposit_mix","unit":"bps","direction":"higher","formula":"(DEPNI/DEP-at(DEPNI/DEP,'2021-12-31'))*10000","sources":[{"source":"fdic","fields":["DEPNI","DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers break the series.","tier":"A","plain":"Current NIB share of total deposits less the Q4 2021 share, in basis points.","why":"How much free funding the bank lost in the cycle."},{"id":"txn_share","label":"Txn share of domestic deposits","short":"Txn %","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"higher","formula":"TRN/DEPDOM*100","sources":[{"source":"fdic","fields":["TRN","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"Bank classification of NOW and sweep products varies.","tier":"A","plain":"Transaction accounts over domestic deposits.","why":"Operational stickiness of the base."},{"id":"mmda_share","label":"MMDA share of domestic deposits","short":"MMDA %","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"contextual","formula":"NTRSMMDA/DEPDOM*100","sources":[{"source":"fdic","fields":["NTRSMMDA","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"High-yield savings can sit in other savings instead.","tier":"A","plain":"Money market deposit accounts over domestic deposits.","why":"Rate-sensitive but relationship balance."},{"id":"savings_other_share","label":"Other savings share, domestic","short":"Savings %","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"contextual","formula":"NTRSOTH/DEPDOM*100","sources":[{"source":"fdic","fields":["NTRSOTH","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"Banks differ on whether high-yield savings sits here or in MMDA.","tier":"A","plain":"Savings deposits other than MMDA over domestic deposits.","why":"Retail stability proxy."},{"id":"time_share","label":"Time share of domestic deposits","short":"Time %","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"lower","formula":"NTRTIME/DEPDOM*100","sources":[{"source":"fdic","fields":["NTRTIME","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"CD specials in peaks make it cyclical.","tier":"A","plain":"Time deposits over domestic deposits.","why":"Shows reliance on priced, term money."},{"id":"jumbo_time_share","label":"CDs over $250k, share of time","short":"Jumbo CD %","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"lower","formula":"NTRTMLGJ/NTRTIME*100","sources":[{"source":"fdic","fields":["NTRTMLGJ","NTRTIME"]}],"level":"bank","cadence":"quarterly","caveat":"Counts the full balance of each CD over $250k, including the insured first $250k.","tier":"A","plain":"Time deposits over $250k over total domestic time deposits.","why":"Least sticky time money."},{"id":"foreign_dep_share","label":"Foreign office deposits share","short":"Foreign dep","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"contextual","formula":"nz(DEPFOR)/DEP*100","sources":[{"source":"fdic","fields":["DEPFOR","DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Zero for domestic-only banks.","tier":"A","plain":"Foreign office deposits over total deposits.","why":"Global transaction banking funding, uninsured by construction."},{"id":"muni_dep_share","label":"Public fund deposits share","short":"Public %","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"lower","formula":"(TRNMUNI+NTRMUNI)/DEPDOM*100","sources":[{"source":"fdic","fields":["TRNMUNI","NTRMUNI","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic only.","tier":"A","plain":"Domestic deposits of states and political subdivisions over domestic deposits.","why":"Requires collateral and pays up, so it is low-value funding."},{"id":"brokered_share","label":"Brokered deposits share","short":"Brokered","lens":"treasury","sublens":"wholesale","unit":"pct","direction":"lower","formula":"BRO/DEP*100","sources":[{"source":"fdic","fields":["BRO","DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Sweep arrangements can be brokered without being unstable; 2021 rule narrowed the definition.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"plain":"Brokered deposits over total deposits.","why":"Rate-sensitive, supervisory flag, restricted if capital slips."},{"id":"listing_share","label":"Listing-service deposits share","short":"Listing","lens":"treasury","sublens":"wholesale","unit":"pct","direction":"lower","formula":"DEPLSNB/DEP*100","sources":[{"source":"fdic","fields":["DEPLSNB","DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Usually small at large banks.","tier":"A","plain":"Listing service deposits not reported as brokered, over total deposits.","why":"Rate-shopping money not captured as brokered."},{"id":"core_dep_share","label":"Core deposits share","short":"Core %","lens":"treasury","sublens":"deposit_mix","unit":"pct","direction":"higher","formula":"COREDEP/DEP*100","sources":[{"source":"fdic","fields":["COREDEP","DEP"]}],"level":"bank","cadence":"quarterly","caveat":"FDIC core excludes time deposits over $250k, brokered deposits of $250k or less and foreign office deposits, so global banks screen low.","tier":"A","plain":"FDIC core deposits over total deposits.","why":"FDIC-defined stable funding share."},{"id":"unins_share","label":"Uninsured share, incl. foreign","short":"Uninsured","lens":"treasury","sublens":"uninsured","unit":"pct","direction":"lower","formula":"(DEPUNINS+nz(DEPFOR))/DEP*100","sources":[{"source":"fdic","fields":["DEPUNINS","DEPFOR","DEP"]},{"source":"xbrl","tags":["TimeDepositLiabilityAboveUsInsuranceLimit"]},{"source":"filing","labels":["Uninsured deposits","uninsured deposits"]}],"level":"bank","cadence":"quarterly","caveat":"Bank estimates. Call Report figures include intercompany balances; holding company disclosures usually exclude them, so the two do not tie.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"plain":"Estimated uninsured domestic deposits plus foreign office deposits, over total deposits.","why":"The 2023 question: how much funding can run in a day?"},{"id":"unins_share_dom","label":"Uninsured share, domestic","short":"Unins US","lens":"treasury","sublens":"uninsured","unit":"pct","direction":"lower","formula":"DEPUNINS/DEPCSBQ*100","sources":[{"source":"fdic","fields":["DEPUNINS","DEPCSBQ"]}],"level":"bank","cadence":"quarterly","caveat":"Denominator is the assessment schedule figure, not reported domestic deposits.","tier":"A","plain":"Estimated uninsured domestic deposits over domestic deposits after allowable exclusions.","why":"The like-for-like uninsured measure for domestic-only peers."},{"id":"unins_coverage","label":"Liquidity to uninsured deposits","short":"Unins cover","lens":"treasury","sublens":"uninsured","unit":"pct","direction":"higher","formula":"(CHBAL+max(SCAF+SCHF-SCPLEDGE,0))/(DEPUNINS+nz(DEPFOR))*100","sources":[{"source":"fdic","fields":["CHBAL","SCAF","SCHF","SCPLEDGE","DEPUNINS","DEPFOR"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes borrowing capacity; see reported liquidity to uninsured. Pledged HTM comes off at amortized cost against HTM at fair value, which understates the pool at banks with large HTM marks.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"alsoIn":["capital"],"plain":"Cash plus unpledged securities at fair value, over uninsured domestic plus foreign office deposits.","why":"How much of the runnable money could be paid out without borrowing."},{"id":"unins_coverage_cash","label":"Cash to uninsured deposits","short":"Cash/unins","lens":"treasury","sublens":"uninsured","unit":"pct","direction":"higher","formula":"CHBAL/(DEPUNINS+nz(DEPFOR))*100","sources":[{"source":"fdic","fields":["CHBAL","DEPUNINS","DEPFOR"]}],"level":"bank","cadence":"quarterly","caveat":"Some cash is operational or held abroad against local requirements.","tier":"A","plain":"Cash and balances due over uninsured domestic plus foreign office deposits.","why":"The harshest test, using only same-day liquidity."},{"id":"large_acct_share","label":"Deposits in accounts over $250k","short":"Large acct","lens":"treasury","sublens":"uninsured","unit":"pct","direction":"contextual","formula":"DEPLGAMT/(DEPLGAMT+DEPSMAMT)*100","sources":[{"source":"fdic","fields":["DEPLGAMT","DEPSMAMT"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic only. Counts the whole account balance, so it runs above uninsured.","tier":"A","plain":"Balances in accounts over $250k, over balances in all accounts; retirement accounts excluded.","why":"Account concentration, independent of insurance structuring."},{"id":"large_acct_avg","label":"Avg balance, accounts over $250k","short":"Avg large","lens":"treasury","sublens":"uninsured","unit":"usd","direction":"contextual","formula":"DEPLGAMT*1000/DEPLGB","sources":[{"source":"fdic","fields":["DEPLGAMT","DEPLGB"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic only.","tier":"A","alsoIn":["commercial"],"plain":"Balances in accounts over $250k over the number of those accounts.","why":"Separates corporate treasuries from affluent retail."},{"id":"l2d","label":"Loans to deposits","short":"L/D","lens":"treasury","sublens":"funding","unit":"pct","direction":"contextual","formula":"LNLSGR/DEP*100","sources":[{"source":"fdic","fields":["LNLSGR","DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Gross loans, while the FDIC ratio uses net, so the two do not tie. Card and securitizing lenders screen high.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"alsoIn":["strategy"],"plain":"Gross loans and leases over total deposits.","why":"The standard structural liquidity gauge."},{"id":"loans_core","label":"Net loans to core deposits","short":"L/Core","lens":"treasury","sublens":"funding","unit":"pct","direction":"lower","formula":"LNLSNET/COREDEP*100","sources":[{"source":"fdic","fields":["LNLSNET","COREDEP"]}],"level":"bank","cadence":"quarterly","caveat":"Foreign office deposits are not core, so global banks screen stretched.","tier":"A","plain":"Net loans and leases over FDIC core deposits.","why":"Reliance on non-core funds to carry the loan book."},{"id":"wholesale_share","label":"Wholesale share of liabilities","short":"Wholesale","lens":"treasury","sublens":"wholesale","unit":"pct","direction":"lower","formula":"(FREPP+OTHBRF+SUBND+BRO)/LIAB*100","sources":[{"source":"fdic","fields":["FREPP","OTHBRF","SUBND","BRO","LIAB"]}],"level":"bank","cadence":"quarterly","caveat":"Trading liabilities are left out. Matched-book repo inflates dealers: read with net repo position.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"plain":"Fed funds and repo, other borrowings, subordinated debt and brokered deposits, over total liabilities.","why":"Direct reliance on confidence-sensitive money."},{"id":"fhlb_share","label":"FHLB advances to assets","short":"FHLB %","lens":"treasury","sublens":"wholesale","unit":"pct","direction":"lower","formula":"OTHBFHLB/ASSET*100","sources":[{"source":"fdic","fields":["OTHBFHLB","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Banks with capacity pledged at the Fed draw it less.","tier":"A","inHeadline":true,"headlineIn":["treasury"],"plain":"FHLB advances over total assets.","why":"Reads as stress or cheap term funding, and regional peers watch each other on it."},{"id":"fhlb_st_share","label":"FHLB advances under one year, share","short":"FHLB <1y","lens":"treasury","sublens":"wholesale","unit":"pct","direction":"lower","formula":"OTBFH1L/pos(OTHBFHLB)*100","sources":[{"source":"fdic","fields":["OTBFH1L","OTHBFHLB"]}],"level":"bank","cadence":"quarterly","caveat":"Next-repricing basis, so floating term advances count as short. Blank when no advances.","tier":"A","plain":"FHLB advances maturing or repricing within one year, over total FHLB advances.","why":"Rollover exposure of FHLB funding."},{"id":"borrow_st_share","label":"Other borrowings under 1 year","short":"Borrow <1y","lens":"treasury","sublens":"wholesale","unit":"pct","direction":"lower","formula":"(OTBFH1L+OTBOT1L)/pos(OTHBRF)*100","sources":[{"source":"fdic","fields":["OTBFH1L","OTBOT1L","OTHBRF"]}],"level":"bank","cadence":"quarterly","caveat":"Next-repricing basis, so floating term debt counts as short.","tier":"A","plain":"FHLB advances and other borrowings maturing or repricing within one year, over total other borrowings.","why":"Short maturity profile raises refinancing risk."},{"id":"repo_net","label":"Net repo position to assets","short":"Net repo","lens":"treasury","sublens":"wholesale","unit":"pct","direction":"lower","formula":"(FREPP-FREPO)/ASSET*100","sources":[{"source":"fdic","fields":["FREPP","FREPO","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Positive means net borrower.","tier":"A","plain":"Fed funds purchased and repo less fed funds sold and reverse repo, over total assets.","why":"Strips out the dealer matched book to show net secured borrowing."},{"id":"vol_liab_assets","label":"Volatile liabilities to assets","short":"Volatile","lens":"treasury","sublens":"wholesale","unit":"pct","direction":"lower","formula":"VOLIAB/ASSET*100","sources":[{"source":"fdic","fields":["VOLIAB","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"FDIC definition; includes repo, jumbo time and foreign deposits.","tier":"A","plain":"FDIC volatile liabilities over total assets.","why":"The supervisory read on stress-sensitive funding."},{"id":"cash_assets","label":"Cash to assets","short":"Cash %","lens":"treasury","sublens":"liquidity","unit":"pct","direction":"higher","formula":"CHBAL/ASSET*100","sources":[{"source":"fdic","fields":["CHBAL","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Includes correspondent balances and items in collection.","tier":"A","plain":"Cash and balances due from banks over total assets.","why":"Primary liquidity reserve."},{"id":"frb_assets","label":"Fed balances to assets","short":"Fed bal","lens":"treasury","sublens":"liquidity","unit":"pct","direction":"contextual","formula":"CHFRB/ASSET*100","sources":[{"source":"fdic","fields":["CHFRB","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Global banks hold much of their cash at foreign central banks and other banks, so this screens them low.","tier":"A","plain":"Balances due from Federal Reserve Banks over total assets.","why":"The highest-quality liquidity, and the read on reserve positioning."},{"id":"liq_assets","label":"Cash and unpledged secs to assets","short":"Liq/assets","lens":"treasury","sublens":"liquidity","unit":"pct","direction":"higher","formula":"(CHBAL+max(SCAF+SCHF-SCPLEDGE,0))/ASSET*100","sources":[{"source":"fdic","fields":["CHBAL","SCAF","SCHF","SCPLEDGE","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Not HQLA: includes level 2 and non-HQLA securities. Pledged HTM comes off at amortized cost, which understates the pool at banks with large HTM marks.","tier":"A","plain":"Cash plus unpledged securities at fair value, over total assets.","why":"An approximate liquidity pool computed the same way for every bank."},{"id":"liq_st_liab","label":"Liquidity to short-term liabilities","short":"Liq/ST","lens":"treasury","sublens":"liquidity","unit":"pct","direction":"higher","formula":"(CHBAL+max(SCAF+SCHF-SCPLEDGE,0))/(FREPP+OTBFH1L+OTBOT1L+(CD3LES+CD3T12+CD3LESS+CD3T12S))*100","sources":[{"source":"fdic","fields":["CHBAL","SCAF","SCHF","SCPLEDGE","FREPP","OTBFH1L","OTBOT1L","CD3LES","CD3T12","CD3LESS","CD3T12S"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes non-maturity and foreign office deposits.","tier":"A","plain":"Cash plus unpledged securities at fair value, over repo, borrowings and domestic CDs due within 12 months.","why":"Cover against contractual near-term outflows."},{"id":"pledged_loans","label":"Pledged loans to loans","short":"Pledged lns","lens":"treasury","sublens":"liquidity","unit":"pct","direction":"contextual","formula":"LNPLEDGE/LNLSGR*100","sources":[{"source":"fdic","fields":["LNPLEDGE","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Pledging without drawing is not stress. Read with borrowings.","tier":"A","plain":"Pledged loans and leases over gross loans and leases.","why":"Discount window and FHLB readiness: pledged collateral is capacity already set up."},{"id":"uc_assets","label":"Unused commitments to assets","short":"Unused/A","lens":"treasury","sublens":"contingent","unit":"pct","direction":"lower","formula":"UC/ASSET*100","sources":[{"source":"fdic","fields":["UC","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Card lines are unconditionally cancellable and draw little, so card lenders screen high; use the ex-card measure.","tier":"A","alsoIn":["commercial","credit"],"plain":"Unused commitments over total assets.","why":"Off-balance contingent draw risk in liquidity stress."},{"id":"uc_ex_card","label":"Unused ex-card commitments/assets","short":"Unused x-cd","lens":"treasury","sublens":"contingent","unit":"pct","direction":"lower","formula":"(UC-UCCRCD)/ASSET*100","sources":[{"source":"fdic","fields":["UC","UCCRCD","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Includes securities underwriting lines.","tier":"A","plain":"Unused commitments less unused card lines, over total assets.","why":"Corporate lines are the drawable contingent risk in stress."},{"id":"liq_commit","label":"Liquidity to non-card commitments","short":"Liq/commit","lens":"treasury","sublens":"contingent","unit":"pct","direction":"higher","formula":"(CHBAL+max(SCAF+SCHF-SCPLEDGE,0))/(UC-UCCRCD)*100","sources":[{"source":"fdic","fields":["CHBAL","SCAF","SCHF","SCPLEDGE","UC","UCCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"Takes every line at full draw, unlike LCR outflow factors.","tier":"A","plain":"Cash plus unpledged securities at fair value, over unused commitments excluding card lines.","why":"Cover against corporate drawdown, as in March 2020."},{"id":"time_maturing_3m","label":"Time deposits repricing in 3m","short":"CDs <3m","lens":"treasury","sublens":"repricing","unit":"pct","direction":"contextual","formula":"(CD3LES+CD3LESS)/(CD3LES+CD3T12+CD1T3+CDOV3+CD3LESS+CD3T12S+CD1T3S+CDOV3S)*100","sources":[{"source":"fdic","fields":["CD3LES","CD3LESS","CD3T12","CD1T3","CDOV3","CD3T12S","CD1T3S","CDOV3S"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic.","tier":"A","plain":"Domestic time deposits maturing or repricing within 3 months, over total domestic time deposits.","why":"Speed of cost relief in cuts and of cost rise in hikes."},{"id":"time_maturing_12m","label":"Time deposits repricing in 12m","short":"CDs <12m","lens":"treasury","sublens":"repricing","unit":"pct","direction":"contextual","formula":"(CD3LES+CD3T12+CD3LESS+CD3T12S)/(CD3LES+CD3T12+CD1T3+CDOV3+CD3LESS+CD3T12S+CD1T3S+CDOV3S)*100","sources":[{"source":"fdic","fields":["CD3LES","CD3T12","CD3LESS","CD3T12S","CD1T3","CDOV3","CD1T3S","CDOV3S"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic.","tier":"A","plain":"Domestic time deposits maturing or repricing within 12 months, over total domestic time deposits.","why":"How much term funding resets in the plan year."},{"id":"loans_float_3m","label":"Loans repricing within 3 months","short":"Lns <3m","lens":"treasury","sublens":"repricing","unit":"pct","direction":"contextual","formula":"(LNRS3LES+LNOT3LES)/(LNRS3LES+LNRS3T12+LNRS1T3+LNRS3T5+LNRS5T15+LNRSOV15+LNOT3LES+LNOT3T12+LNOT1T3+LNOT3T5+LNOT5T15+LNOTOV15)*100","sources":[{"source":"fdic","fields":["LNRS3LES","LNOT3LES","LNRS3T12","LNRS1T3","LNRS3T5","LNRS5T15","LNRSOV15","LNOT3T12","LNOT1T3","LNOT3T5","LNOT5T15","LNOTOV15"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes nonaccruals and swaps, so hedged books read more floating than they are.","tier":"A","alsoIn":["cio"],"plain":"Loans and leases maturing or repricing within 3 months, over all loans and leases in the repricing schedule.","why":"The floating share of the loan book, as a quick read on asset sensitivity."},{"id":"loans_3t12","label":"Loans repricing in 3 to 12 months","short":"Lns 3-12m","lens":"treasury","sublens":"repricing","unit":"pct","direction":"contextual","formula":"(LNRS3T12+LNOT3T12)/(LNRS3LES+LNRS3T12+LNRS1T3+LNRS3T5+LNRS5T15+LNRSOV15+LNOT3LES+LNOT3T12+LNOT1T3+LNOT3T5+LNOT5T15+LNOTOV15)*100","sources":[{"source":"fdic","fields":["LNRS3LES","LNRS3T12","LNRS1T3","LNRS3T5","LNRS5T15","LNRSOV15","LNOT3LES","LNOT3T12","LNOT1T3","LNOT3T5","LNOT5T15","LNOTOV15"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes nonaccruals and swaps, so hedged books read more floating than they are.","tier":"A","alsoIn":["cio"],"plain":"Loans and leases maturing or repricing in 3 to 12 months, over all loans and leases in the repricing schedule.","why":"One rung of the loan repricing ladder."},{"id":"loans_1t3","label":"Loans repricing in 1 to 3 years","short":"Lns 1-3y","lens":"treasury","sublens":"repricing","unit":"pct","direction":"contextual","formula":"(LNRS1T3+LNOT1T3)/(LNRS3LES+LNRS3T12+LNRS1T3+LNRS3T5+LNRS5T15+LNRSOV15+LNOT3LES+LNOT3T12+LNOT1T3+LNOT3T5+LNOT5T15+LNOTOV15)*100","sources":[{"source":"fdic","fields":["LNRS3LES","LNRS3T12","LNRS1T3","LNRS3T5","LNRS5T15","LNRSOV15","LNOT3LES","LNOT3T12","LNOT1T3","LNOT3T5","LNOT5T15","LNOTOV15"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes nonaccruals and swaps, so hedged books read more floating than they are.","tier":"A","alsoIn":["cio"],"plain":"Loans and leases maturing or repricing in 1 to 3 years, over all loans and leases in the repricing schedule.","why":"One rung of the loan repricing ladder."},{"id":"loans_3t5","label":"Loans repricing in 3 to 5 years","short":"Lns 3-5y","lens":"treasury","sublens":"repricing","unit":"pct","direction":"contextual","formula":"(LNRS3T5+LNOT3T5)/(LNRS3LES+LNRS3T12+LNRS1T3+LNRS3T5+LNRS5T15+LNRSOV15+LNOT3LES+LNOT3T12+LNOT1T3+LNOT3T5+LNOT5T15+LNOTOV15)*100","sources":[{"source":"fdic","fields":["LNRS3LES","LNRS3T12","LNRS1T3","LNRS3T5","LNRS5T15","LNRSOV15","LNOT3LES","LNOT3T12","LNOT1T3","LNOT3T5","LNOT5T15","LNOTOV15"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes nonaccruals and swaps, so hedged books read more floating than they are.","tier":"A","alsoIn":["cio"],"plain":"Loans and leases maturing or repricing in 3 to 5 years, over all loans and leases in the repricing schedule.","why":"One rung of the loan repricing ladder."},{"id":"loans_over5","label":"Loans repricing beyond 5 years","short":"Lns >5y","lens":"treasury","sublens":"repricing","unit":"pct","direction":"lower","formula":"(LNRS5T15+LNRSOV15+LNOT5T15+LNOTOV15)/(LNRS3LES+LNRS3T12+LNRS1T3+LNRS3T5+LNRS5T15+LNRSOV15+LNOT3LES+LNOT3T12+LNOT1T3+LNOT3T5+LNOT5T15+LNOTOV15)*100","sources":[{"source":"fdic","fields":["LNRS5T15","LNRSOV15","LNOT5T15","LNOTOV15","LNRS3LES","LNRS3T12","LNRS1T3","LNRS3T5","LNOT3LES","LNOT3T12","LNOT1T3","LNOT3T5"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes nonaccruals and swaps.","tier":"A","alsoIn":["cio"],"plain":"Loans and leases maturing or repricing beyond 5 years, over all loans and leases in the repricing schedule.","why":"Long-dated fixed-rate exposure in the loan book."},{"id":"gap_12m","label":"12-month repricing gap, ex NMDs","short":"Gap 12m","lens":"treasury","sublens":"repricing","unit":"pct","direction":"contextual","formula":"(CHBALI+FREPO+LNRS3LES+LNRS3T12+LNOT3LES+LNOT3T12+SCNM3LES+SCNM3T12+SCPT3LES+SCPT3T12-FREPP-(CD3LES+CD3T12+CD3LESS+CD3T12S)-OTBFH1L-OTBOT1L)/ERNAST*100","sources":[{"source":"fdic","fields":["CHBALI","FREPO","LNRS3LES","LNRS3T12","LNOT3LES","LNOT3T12","SCNM3LES","SCNM3T12","SCPT3LES","SCPT3T12","FREPP","CD3LES","CD3T12","CD3LESS","CD3T12S","OTBFH1L","OTBOT1L","ERNAST"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes NMDs, swaps, MBS other than pass-throughs and foreign office deposits, so global banks screen asset sensitive. Rank only; not an NII percent.","tier":"A","alsoIn":["cio"],"plain":"Earning assets repricing within 12 months less CDs, repo and borrowings repricing within 12 months, over earning assets.","why":"Static asset sensitivity indicator that needs no model."},{"id":"nii_up100","label":"NII sensitivity: +100bp","short":"NII +100","lens":"treasury","sublens":"sensitivity","unit":"pct","direction":"contextual","formula":"[12m NII change, +100bp parallel]","sources":[{"source":"filing","labels":["100 basis point","+100","100 bps","100 bp"]},{"source":"release","labels":["100 basis point"]}],"level":"holding","cadence":"quarterly","caveat":"Ramp or shock, static or dynamic, and deposit beta assumptions differ; some banks disclose only +200 or +/-25. Do not rank without the assumptions.","tier":"C","alsoIn":["cio","cfo"],"plain":"Change in 12 month net interest income for a parallel +100bp move, on the ramp where the bank prints one. A bank printing dollars reads over a year of the quarter's net interest income.","why":"The treasurer's headline on how the bank describes its rate position."},{"id":"nii_dn100","label":"NII sensitivity: -100bp","short":"NII -100","lens":"treasury","sublens":"sensitivity","unit":"pct","direction":"contextual","formula":"[12m NII change, -100bp parallel]","sources":[{"source":"filing","labels":["100 basis point","-100","(100)","100 bps"]},{"source":"release","labels":["100 basis point"]}],"level":"holding","cadence":"quarterly","caveat":"Ramp or shock, static or dynamic, and deposit beta assumptions differ; some banks disclose only -200 or +/-25. Floors bind differently. Do not rank without the assumptions.","tier":"C","alsoIn":["cio","cfo"],"plain":"Change in 12 month net interest income for a parallel -100bp move, on the ramp where the bank prints one. A bank printing dollars reads over a year of the quarter's net interest income.","why":"The easing-cycle version of the same question."},{"id":"eve_up200","label":"EVE sensitivity: +200bp","short":"EVE +200","lens":"treasury","sublens":"sensitivity","unit":"pct","direction":"contextual","formula":"[EVE change, +200bp]","sources":[{"source":"filing","labels":["economic value of equity","Economic value of equity","EVE"]}],"level":"holding","cadence":"quarterly","caveat":"Category I banks often report on a different basis; some report earnings at risk only.","tier":"C","alsoIn":["cio","capital"],"plain":"As reported in the 10-K or 10-Q.","why":"Economic value at risk, tied to the supervisory outlier test."},{"id":"lcr","label":"Liquidity coverage ratio","short":"LCR","lens":"treasury","sublens":"regulatory","unit":"pct","direction":"higher","formula":"[Liquidity coverage ratio]","sources":[{"source":"filing","labels":["Liquidity coverage ratio","LCR"]},{"source":"release","labels":["Liquidity coverage ratio","LCR"]}],"level":"holding","cadence":"quarterly","caveat":"Applies at Category I-III; Category IV banks with low wholesale funding are exempt. Quarter average. Holding and bank figures differ.","tier":"C","inHeadline":true,"headlineIn":["treasury"],"alsoIn":["capital"],"plain":"As reported in the 10-Q or earnings release.","why":"The binding regulatory liquidity measure for large banks."},{"id":"nsfr","label":"Net stable funding ratio","short":"NSFR","lens":"treasury","sublens":"regulatory","unit":"pct","direction":"higher","formula":"[Net stable funding ratio]","sources":[{"source":"filing","labels":["Net stable funding ratio","NSFR"]},{"source":"release","labels":["NSFR"]}],"level":"holding","cadence":"quarterly","caveat":"Public disclosure is semiannual; same scope limits as LCR.","tier":"C","plain":"As reported in the 10-Q or earnings release.","why":"Structural funding test beside LCR."},{"id":"hqla","label":"High-quality liquid assets","short":"HQLA","lens":"treasury","sublens":"regulatory","unit":"usd","direction":"higher","formula":"[Average eligible HQLA]","sources":[{"source":"filing","labels":["HQLA","High-quality liquid assets"]},{"source":"release","labels":["HQLA"]}],"level":"holding","cadence":"quarterly","caveat":"Eligible HQLA excludes excess at subsidiaries, which understates the group; read with total liquidity sources.","tier":"C","plain":"As reported in the 10-Q or earnings release, as the average eligible amount.","why":"Size of the regulatory liquidity pool."},{"id":"total_liquidity","label":"Total liquidity sources reported","short":"Liq sources","lens":"treasury","sublens":"contingent","unit":"usd","direction":"higher","formula":"[Total available liquidity]","sources":[{"source":"release","labels":["available liquidity","Available liquidity","liquidity sources","contingent liquidity"]},{"source":"filing","labels":["available liquidity","liquidity sources"]}],"level":"holding","cadence":"quarterly","caveat":"Bank definitions vary and capacity is not always unencumbered.","tier":"C","plain":"As reported in the earnings release or 10-Q.","why":"The reported pool including borrowing capacity: the post-SVB disclosure."},{"id":"contingent_unins","label":"Reported liquidity to uninsured","short":"Liq/unins","lens":"treasury","sublens":"contingent","unit":"pct","direction":"higher","formula":"[Total available liquidity]/[Uninsured deposits]*100","sources":[{"source":"release","labels":["uninsured deposits","Uninsured deposits","available liquidity"]},{"source":"filing","labels":["uninsured deposits"]}],"level":"holding","cadence":"quarterly","caveat":"Use the bank's quoted ratio where given and check the math. Liquidity definitions vary.","tier":"C","plain":"Total available liquidity over estimated uninsured deposits.","why":"The post-2023 headline every regional CFO quotes."},{"id":"fhlb_capacity","label":"FHLB and Fed borrowing capacity","short":"Borrow cap","lens":"treasury","sublens":"contingent","unit":"usd","direction":"higher","formula":"[Available FHLB and FRB capacity]","sources":[{"source":"filing","labels":["borrowing capacity","FHLB","discount window","Discount Window"]},{"source":"release","labels":["borrowing capacity","FHLB"]}],"level":"holding","cadence":"quarterly","caveat":"Most regionals disclose it in the 10-Q; global banks disclose less.","tier":"C","plain":"Total secured borrowing capacity, or unused FHLB plus unused Federal Reserve capacity.","why":"How fast the bank can raise cash through secured lines."},{"id":"ltd_assets","label":"Long-term debt to assets, holding","short":"LTD/A","lens":"treasury","sublens":"funding","unit":"pct","direction":"contextual","formula":"{LongTermDebt}/{Assets}*100","sources":[{"source":"xbrl","tags":["LongTermDebt","Assets"]}],"level":"holding","cadence":"quarterly","caveat":"Long-term debt rules for Category II-IV are under review.","tier":"B","alsoIn":["capital"],"plain":"Holding company long-term debt over total assets.","why":"How much of the balance sheet is term-funded at the holding company."},{"id":"ltd_cost","label":"Long-term debt cost, holding","short":"LTD cost","lens":"treasury","sublens":"wholesale_cost","unit":"pct","direction":"lower","formula":"{InterestExpenseLongTermDebt}*4/avg({LongTermDebt},2)*100","sources":[{"source":"xbrl","tags":["InterestExpenseLongTermDebt","LongTermDebt"]}],"level":"holding","cadence":"quarterly","caveat":"Hedged debt reports swapped interest, so fixed-to-floating programs reprice faster.","tier":"B","plain":"Quarterly interest on long-term debt, annualized, over average long-term debt at the holding company.","why":"Average cost of the debt stack after hedges, not where new issues price."},{"id":"avg_dep_rate_reported","label":"Average deposit cost, reported","short":"Rep dep rate","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"[Cost of deposits]","sources":[{"source":"release","labels":["Total deposits","Cost of deposits","Rate paid on","interest-bearing deposits"]},{"source":"filing","labels":["average balance"]}],"level":"holding","cadence":"quarterly","caveat":"Bank-defined; several report interest-bearing rates only.","tier":"C","plain":"As reported in the earnings release or 10-Q.","why":"Daily-average deposit cost, a cleaner figure than the two-point Call Report calculation."},{"id":"cet1","label":"CET1 ratio, bank","short":"CET1","lens":"capital","sublens":"ratio","unit":"pct","direction":"higher","formula":"RBCT1C/RWAJ*100","sources":[{"source":"fdic","fields":["RBCT1C","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Bank-level. Investors quote holding-company CET1, where the SCB applies. Category I-II include AOCI and most others opted out, so compare on the AOCI-adjusted line.","tier":"A","inHeadline":true,"headlineIn":["capital"],"alsoIn":["strategy"],"plain":"Bank CET1 capital over standardized risk-weighted assets.","why":"The primary capital constraint: every capital decision references it."},{"id":"t1","label":"Tier 1 ratio, bank","short":"T1","lens":"capital","sublens":"ratio","unit":"pct","direction":"higher","formula":"RBCT1/RWAJ*100","sources":[{"source":"fdic","fields":["RBCT1","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charters rarely hold preferred, so the gap to CET1 means more at the holding company.","tier":"A","plain":"Bank Tier 1 capital over risk-weighted assets.","why":"The gap to CET1 shows how much preferred sits in the stack."},{"id":"total_capital","label":"Total capital ratio, bank","short":"Total cap","lens":"capital","sublens":"ratio","unit":"pct","direction":"higher","formula":"RBC/RWAJT*100","sources":[{"source":"fdic","fields":["RBC","RWAJT"]}],"level":"bank","cadence":"quarterly","caveat":"ACL counts in Tier 2 only up to 1.25% of standardized RWA, so reserve-heavy banks get less credit.","tier":"A","plain":"Bank total risk-based capital over risk-weighted assets for the total capital ratio.","why":"Shows Tier 2 capacity and distance from the regulatory minimum."},{"id":"leverage","label":"Tier 1 leverage ratio, bank","short":"Leverage","lens":"capital","sublens":"ratio","unit":"pct","direction":"higher","formula":"RBCT1/AVASSETJ*100","sources":[{"source":"fdic","fields":["RBCT1","AVASSETJ"]}],"level":"bank","cadence":"quarterly","caveat":"Bank-level. Category I-III banks also face the SLR.","tier":"A","plain":"Bank Tier 1 capital over average assets for the leverage ratio.","why":"The non-risk-based backstop, which binds when RWA density is low."},{"id":"t2_share","label":"Tier 2 share of total capital","short":"T2 %","lens":"capital","sublens":"ratio","unit":"pct","direction":"contextual","formula":"RBCT2/RBC*100","sources":[{"source":"fdic","fields":["RBCT2","RBC"]}],"level":"bank","cadence":"quarterly","caveat":"Allowance inclusion differs under advanced approach.","tier":"A","plain":"Tier 2 capital as a share of total risk-based capital.","why":"Shows how far the total ratio rests on sub debt and ACL."},{"id":"excess_cet1","label":"Excess CET1 above 7%, bank","short":"Excess CET1","lens":"capital","sublens":"buffer","unit":"usd","direction":"higher","formula":"(RBCT1C-0.07*RWAJ)*1000","sources":[{"source":"fdic","fields":["RBCT1C","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"7% is the 4.5% minimum plus the static 2.5% conservation buffer. SCB and G-SIB surcharge apply at the holding company, so use CET1 above requirement there.","tier":"A","plain":"Bank CET1 capital less 7% of risk-weighted assets, in dollars.","why":"Dollar headroom before any capital-return discussion."},{"id":"rwa_density","label":"RWA density","short":"RWA dens","lens":"capital","sublens":"rwa","unit":"pct","direction":"lower","formula":"RWAJ/ASSET*100","sources":[{"source":"fdic","fields":["RWAJ","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Card, commercial and trading raise it; cash and agency securities lower it. Compare within business model.","tier":"A","inHeadline":true,"headlineIn":["capital"],"alsoIn":["strategy"],"plain":"Risk-weighted assets over total assets.","why":"How much capital each dollar of balance sheet consumes, and the starting point for RWA optimization."},{"id":"rwa_growth","label":"RWA growth, year on year","short":"RWA gr","lens":"capital","sublens":"rwa","unit":"pct","direction":"contextual","formula":"(RWAJ/lag(RWAJ,4)-1)*100","sources":[{"source":"fdic","fields":["RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth: strip merger quarters or compare pro forma before ranking.","tier":"A","plain":"Risk-weighted assets over the level four quarters earlier, less one.","why":"Capital consumption against revenue growth."},{"id":"rwa_rev_growth_gap","label":"Revenue growth minus RWA growth","short":"Rev-RWA gr","lens":"capital","sublens":"rwa","unit":"pct","direction":"higher","formula":"((sum4((NIMQ+NONIIQ))/lag(sum4((NIMQ+NONIIQ)),4)-1)-(RWAJ/lag(RWAJ,4)-1))*100","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate both legs on different timing: strip merger quarters or compare pro forma before ranking.","tier":"A","plain":"Year-on-year growth in trailing four-quarter NII plus noninterest income, less year-on-year RWA growth.","why":"Whether growth is getting more or less capital-efficient."},{"id":"cet1_aoci","label":"AOCI-adjusted CET1, bank","short":"CET1 AOCI","lens":"capital","sublens":"marked","unit":"pct","direction":"higher","formula":"(RBCT1C+iff(abs(RBCT1C-(EQ-EQPP-INTANGW-INTANOTH-(EQUPTOT-EQUPGR-EQOTHCC)))<abs(RBCT1C-(EQ-EQPP-INTANGW-INTANOTH)),1,0)*(EQUPTOT-EQUPGR-EQOTHCC))/RWAJ*100","sources":[{"source":"fdic","fields":["RBCT1C","EQ","EQPP","INTANGW","INTANOTH","EQUPTOT","EQUPGR","EQOTHCC","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Opt-out is inferred from the CET1 walk, not filed. All AOCI is applied, including cash-flow hedge AOCI that stays filtered from CET1 even for banks that include AOCI.","tier":"A","alsoIn":["cio"],"plain":"CET1 plus AOCI for banks inferred to have opted out, over RWA. Banks that include AOCI are unchanged.","why":"Puts opted-out and AOCI-included banks on one basis, the direction Basel proposals took."},{"id":"cet1_htm","label":"HTM-adjusted CET1, bank","short":"CET1 HTM","lens":"capital","sublens":"marked","unit":"pct","direction":"higher","formula":"(RBCT1C+(SCHF-SCHA)*(1-0.21))/RWAJ*100","sources":[{"source":"fdic","fields":["RBCT1C","SCHF","SCHA","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Flat 21% tax with no DTA limit. Ignores offsetting value in low-cost deposits.","tier":"A","alsoIn":["cio"],"plain":"CET1 plus HTM fair value less amortized cost, after 21% tax, over RWA.","why":"Applies HTM losses that have never touched equity."},{"id":"cet1_marked","label":"CET1 fully marked (AOCI and HTM)","short":"CET1 marked","lens":"capital","sublens":"marked","unit":"pct","direction":"higher","formula":"(RBCT1C+iff(abs(RBCT1C-(EQ-EQPP-INTANGW-INTANOTH-(EQUPTOT-EQUPGR-EQOTHCC)))<abs(RBCT1C-(EQ-EQPP-INTANGW-INTANOTH)),1,0)*(EQUPTOT-EQUPGR-EQOTHCC)+(SCHF-SCHA)*(1-0.21))/RWAJ*100","sources":[{"source":"fdic","fields":["RBCT1C","EQ","EQPP","INTANGW","INTANOTH","EQUPTOT","EQUPGR","EQOTHCC","SCHF","SCHA","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Flat 21% tax with no DTA limit. Ignores offsetting value in low-cost deposits. Loan marks excluded.","tier":"A","inHeadline":true,"headlineIn":["capital"],"alsoIn":["cio","treasury"],"plain":"CET1 plus AOCI for inferred opt-outs and after-tax HTM marks at 21%, over RWA.","why":"The SVB question: what capital remains if all bond losses were realized."},{"id":"cet1_marked_gap","label":"CET1 bps lost to marks","short":"Mark drag","lens":"capital","sublens":"marked","unit":"bps","direction":"lower","formula":"-(iff(abs(RBCT1C-(EQ-EQPP-INTANGW-INTANOTH-(EQUPTOT-EQUPGR-EQOTHCC)))<abs(RBCT1C-(EQ-EQPP-INTANGW-INTANOTH)),1,0)*(EQUPTOT-EQUPGR-EQOTHCC)+(SCHF-SCHA)*(1-0.21))*10000/RWAJ","sources":[{"source":"fdic","fields":["RBCT1C","EQ","EQPP","INTANGW","INTANOTH","EQUPTOT","EQUPGR","EQOTHCC","SCHF","SCHA","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Flat 21% tax with no DTA limit. Ignores offsetting value in low-cost deposits. Loan marks excluded. Negative when net marks are gains.","tier":"A","plain":"AOCI for inferred opt-outs plus after-tax HTM marks, sign reversed, over RWA, in basis points.","why":"The gap between reported and marked CET1 in one number."},{"id":"optout_flag","label":"AOCI opt-out flag (inferred)","short":"Opt-out","lens":"capital","sublens":"marked","unit":"count","direction":"neutral","formula":"iff(abs(RBCT1C-(EQ-EQPP-INTANGW-INTANOTH-(EQUPTOT-EQUPGR-EQOTHCC)))<abs(RBCT1C-(EQ-EQPP-INTANGW-INTANOTH)),1,0)","sources":[{"source":"fdic","fields":["RBCT1C","EQ","EQPP","INTANGW","INTANOTH","EQUPTOT","EQUPGR","EQOTHCC"]}],"level":"bank","cadence":"quarterly","caveat":"Inferred, and misfires when AOCI is small or other deductions are large. The Fed list of Category I-II banks overrides it.","tier":"A","plain":"One if reported CET1 sits closer to tangible common equity excluding AOCI than including it; otherwise zero.","why":"Tells the reader whether CET1 ratios are on a comparable basis."},{"id":"tce_ta","label":"TCE to tangible assets","short":"TCE/TA","lens":"capital","sublens":"tangible","unit":"pct","direction":"higher","formula":"(EQ-EQPP-INTANGW-INTANOTH)/(ASSET-INTANGW-INTANOTH)*100","sources":[{"source":"fdic","fields":["EQ","EQPP","INTANGW","INTANOTH","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Dealer balance sheets read low without implying weakness. MSAs stay in.","tier":"A","inHeadline":true,"headlineIn":["capital"],"alsoIn":["strategy"],"plain":"Equity less preferred, goodwill and other intangibles, over assets less goodwill and other intangibles.","why":"The investor and rating agency gauge, already net of AFS marks."},{"id":"tce_rwa","label":"Tangible common equity to RWA","short":"TCE/RWA","lens":"capital","sublens":"tangible","unit":"pct","direction":"higher","formula":"(EQ-EQPP-INTANGW-INTANOTH)/RWAJ*100","sources":[{"source":"fdic","fields":["EQ","EQPP","INTANGW","INTANOTH","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"MSAs stay in, and AOCI is included for every bank regardless of opt-out.","tier":"A","plain":"Equity less preferred, goodwill and other intangibles, over risk-weighted assets.","why":"Risk-based denominator on a tangible numerator that already carries AFS marks."},{"id":"equity_assets","label":"Equity to assets","short":"Eq/A","lens":"capital","sublens":"tangible","unit":"pct","direction":"higher","formula":"EQ/ASSET*100","sources":[{"source":"fdic","fields":["EQ","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Includes goodwill and preferred.","tier":"A","plain":"Total equity capital over total assets.","why":"Long-run base solvency measure, free of regulatory adjustment."},{"id":"goodwill_equity","label":"Goodwill to equity","short":"GW/Eq","lens":"capital","sublens":"tangible","unit":"pct","direction":"lower","formula":"INTANGW/EQ*100","sources":[{"source":"fdic","fields":["INTANGW","EQ"]}],"level":"bank","cadence":"quarterly","caveat":"Bank-level, and push-down accounting varies, so charters of similar groups can differ.","tier":"A","plain":"Goodwill over total equity capital.","why":"Sizes the acquisition legacy sitting in book equity."},{"id":"msr_cet1","label":"MSA to CET1","short":"MSA/CET1","lens":"capital","sublens":"tangible","unit":"pct","direction":"lower","formula":"INTANMSR/RBCT1C*100","sources":[{"source":"fdic","fields":["INTANMSR","RBCT1C"]}],"level":"bank","cadence":"quarterly","caveat":"Deduction threshold is 25% of CET1, or 10% for advanced approaches banks.","tier":"A","plain":"Mortgage servicing assets over CET1 capital.","why":"Tests distance from the deduction threshold and sizes rate-exposed capital."},{"id":"retention_rate","label":"Earnings retained, trailing four quarters","short":"Retention","lens":"capital","sublens":"generation","unit":"pct","direction":"contextual","formula":"(sum4(NETINCQ)-sum4(EQCDIVQ))/sum4(NETINCQ)*100","sources":[{"source":"fdic","fields":["NETINCQ","EQCDIVQ"]}],"level":"bank","cadence":"quarterly","caveat":"Upstream dividends fund the parent, so use the holding payout for the investor view. Not meaningful on a trailing net loss.","tier":"A","plain":"Trailing four-quarter net income less cash dividends, over net income.","why":"Bank-level retention sets internal capital generation."},{"id":"internal_gen","label":"Internal capital generation rate","short":"ICG","lens":"capital","sublens":"generation","unit":"pct","direction":"higher","formula":"(sum4(NETINCQ)-sum4(EQCDIVQ))/avg(EQ,4)*100","sources":[{"source":"fdic","fields":["NETINCQ","EQCDIVQ","EQ"]}],"level":"bank","cadence":"quarterly","caveat":"Upstream dividends fund the parent, so a low rate at the charter can coexist with strong group generation.","tier":"A","plain":"Trailing four-quarter net income less cash dividends, over average equity across four quarter-ends.","why":"How fast equity grows without raising any."},{"id":"cet1_gen_bps","label":"CET1 generation, TTM before distributions","short":"CET1 gen","lens":"capital","sublens":"generation","unit":"bps","direction":"higher","formula":"sum4(NETINCQ)/avg(RWAJ,4)*10000","sources":[{"source":"fdic","fields":["NETINCQ","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Before preferred dividends. Ignores AOCI and DTA effects.","tier":"A","inHeadline":true,"headlineIn":["capital"],"plain":"Trailing four-quarter net income over average RWA across four quarter-ends, in basis points, before dividends and buybacks.","why":"Capital earned each year before payouts, the room for growth plus return."},{"id":"payout_bank","label":"Dividends upstream to net income","short":"Div payout","lens":"capital","sublens":"payout","unit":"pct","direction":"contextual","formula":"sum4(EQCDIVQ)/sum4(NETINCQ)*100","sources":[{"source":"fdic","fields":["EQCDIVQ","NETINCQ"]}],"level":"bank","cadence":"quarterly","caveat":"Not the shareholder payout: use holding-level dividends and buybacks for that.","tier":"A","plain":"Trailing four-quarter cash dividends over net income, at the bank charter.","why":"Cash reaching the parent from the bank."},{"id":"reserve_cet1","label":"Allowance to CET1","short":"ACL/CET1","lens":"capital","sublens":"loss_capacity","unit":"pct","direction":"contextual","formula":"LNATRES/RBCT1C*100","sources":[{"source":"fdic","fields":["LNATRES","RBCT1C"]}],"level":"bank","cadence":"quarterly","caveat":"Card-heavy mix raises it, so rank within business model.","tier":"A","alsoIn":["credit"],"plain":"Allowance for loan and lease losses over CET1 capital.","why":"Sizes reserves against the capital behind them."},{"id":"texas","label":"Texas ratio","short":"Texas","lens":"capital","sublens":"loss_capacity","unit":"pct","direction":"lower","formula":"(NCLNLS+ORE)/((EQ-EQPP-INTANGW-INTANOTH)+LNATRES)*100","sources":[{"source":"fdic","fields":["NCLNLS","ORE","EQ","EQPP","INTANGW","INTANOTH","LNATRES"]}],"level":"bank","cadence":"quarterly","caveat":"Government-guaranteed noncurrent balances inflate it at some banks: strip them when material.","tier":"A","alsoIn":["credit"],"plain":"Noncurrent loans and leases plus OREO, over tangible common equity plus ACL.","why":"Classic distress screen."},{"id":"cre_conc","label":"CRE to Tier 1 plus ACL","short":"CRE conc","lens":"capital","sublens":"concentration","unit":"pct","direction":"lower","formula":"(LNRECONS+LNREMULT+LNRENROT+LNCOMRE)/(RBCT1+LNATRES)*100","sources":[{"source":"fdic","fields":["LNRECONS","LNREMULT","LNRENROT","LNCOMRE","RBCT1","LNATRES"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes owner-occupied CRE. The guidance also requires 50% growth over 36 months.","tier":"A","inHeadline":true,"headlineIn":["credit"],"alsoIn":["credit","commercial"],"plain":"Construction, multifamily, non-owner-occupied and unsecured CRE loans over Tier 1 capital plus ACL.","why":"The supervisory CRE concentration test, with 300% as the 2006 guidance trigger."},{"id":"constr_conc","label":"Construction to Tier 1 plus ACL","short":"Constr conc","lens":"capital","sublens":"concentration","unit":"pct","direction":"lower","formula":"LNRECONS/(RBCT1+LNATRES)*100","sources":[{"source":"fdic","fields":["LNRECONS","RBCT1","LNATRES"]}],"level":"bank","cadence":"quarterly","caveat":"Includes 1-4 family construction.","tier":"A","alsoIn":["credit"],"plain":"Construction and land development loans over Tier 1 capital plus ACL.","why":"The supervisory construction trigger, at 100%."},{"id":"cre_growth_36m","label":"CRE growth over 36 months","short":"CRE 36m","lens":"capital","sublens":"concentration","unit":"pct","direction":"lower","formula":"((LNRECONS+LNREMULT+LNRENROT+LNCOMRE)/lag((LNRECONS+LNREMULT+LNRENROT+LNCOMRE),12)-1)*100","sources":[{"source":"fdic","fields":["LNRECONS","LNREMULT","LNRENROT","LNCOMRE"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth: strip merger quarters or compare pro forma before ranking.","tier":"A","alsoIn":["credit"],"plain":"CRE loans, on the concentration test definition, over the level 12 quarters earlier, less one.","why":"The second leg of the 2006 guidance test: 50% growth over 36 months."},{"id":"card_cet1","label":"Card to Tier 1 plus ACL","short":"Card conc","lens":"capital","sublens":"concentration","unit":"pct","direction":"contextual","formula":"LNCRCD/(RBCT1+LNATRES)*100","sources":[{"source":"fdic","fields":["LNCRCD","RBCT1","LNATRES"]}],"level":"bank","cadence":"quarterly","caveat":"Reads business model, and no supervisory threshold applies.","tier":"A","alsoIn":["credit"],"plain":"Credit card loans over Tier 1 capital plus ACL.","why":"Sizes unsecured consumer exposure against capital."},{"id":"ndfi_cet1","label":"NDFI loans to Tier 1 plus ACL","short":"NDFI conc","lens":"capital","sublens":"concentration","unit":"pct","direction":"lower","formula":"iff(nz(LNNDEPC)+nz(LNNDEPD)>0,max(nz(LNNDEPC),nz(LNNDEPD)),NULL)/(RBCT1+LNATRES)*100","sources":[{"source":"fdic","fields":["LNNDEPC","LNNDEPD","RBCT1","LNATRES"]}],"level":"bank","cadence":"quarterly","caveat":"No supervisory threshold. Consolidated data starts at year-end 2024, and call report reclassification from C&I sits inside the history.","tier":"A","alsoIn":["credit","commercial"],"plain":"Loans to nondepository financials, larger of consolidated or domestic office, over Tier 1 capital plus ACL.","why":"Sizes exposure to private credit, funds and nonbank lenders against capital."},{"id":"cet1_hc","label":"CET1 ratio, holding","short":"CET1 HC","lens":"capital","sublens":"holding","unit":"pct","direction":"higher","formula":"[CET1 ratio]","sources":[{"source":"release","labels":["CET1","Common equity tier 1","Common Equity Tier 1"]},{"source":"filing","labels":["Common equity Tier 1","CET1"]},{"source":"xbrl","tags":["CommonEquityTierOneCapitalRatio"]}],"level":"holding","cadence":"quarterly","caveat":"Standardized and advanced differ, and the lower binds: rank on that one. Earnings release figures are preliminary.","tier":"C","inHeadline":true,"headlineIn":["earnings","capital"],"alsoIn":["strategy","earnings"],"plain":"As reported in the earnings release; final in the 10-Q.","why":"The market and regulatory headline."},{"id":"t1_hc","label":"Tier 1 ratio, holding","short":"T1 HC","lens":"capital","sublens":"holding","unit":"pct","direction":"higher","formula":"[Tier 1 capital ratio]","sources":[{"source":"release","labels":["Tier 1 capital ratio","Tier 1 risk-based","Tier 1"]},{"source":"filing","labels":["Tier 1 capital"]},{"source":"xbrl","tags":["TierOneRiskBasedCapitalToRiskWeightedAssets"]}],"level":"holding","cadence":"quarterly","caveat":"Standardized and advanced differ, and the lower binds: rank on that one. Earnings release figures are preliminary.","tier":"C","plain":"As reported in the earnings release; final in the 10-Q.","why":"The gap to CET1 shows how much preferred is in the stack."},{"id":"total_cap_hc","label":"Total capital ratio, holding","short":"Total HC","lens":"capital","sublens":"holding","unit":"pct","direction":"higher","formula":"[Total capital ratio]","sources":[{"source":"release","labels":["Total capital ratio","Total risk-based","Total capital"]},{"source":"filing","labels":["Total capital"]},{"source":"xbrl","tags":["CapitalToRiskWeightedAssets"]}],"level":"holding","cadence":"quarterly","caveat":"Standardized and advanced differ, and the lower binds: rank on that one. Earnings release figures are preliminary.","tier":"C","plain":"As reported in the earnings release; final in the 10-Q.","why":"Shows sub debt capacity above the Tier 1 stack."},{"id":"slr_hc","label":"Supplementary leverage ratio","short":"SLR","lens":"capital","sublens":"holding","unit":"pct","direction":"higher","formula":"[Supplementary leverage ratio]","sources":[{"source":"release","labels":["Supplementary leverage","SLR"]},{"source":"filing","labels":["Supplementary leverage","SLR"]},{"source":"xbrl","tags":["SupplementaryLeverageRatio"]}],"level":"holding","cadence":"quarterly","caveat":"Category I-III only.","tier":"C","plain":"As reported in the earnings release or filing.","why":"Often the binding constraint on a low-risk balance sheet, and eSLR changes move the bar."},{"id":"t1_lev_hc","label":"Tier 1 leverage ratio, holding","short":"Lev HC","lens":"capital","sublens":"holding","unit":"pct","direction":"higher","formula":"[Tier 1 leverage ratio]","sources":[{"source":"release","labels":["Tier 1 leverage","Leverage ratio"]},{"source":"filing","labels":["Tier 1 leverage","leverage ratio"]},{"source":"xbrl","tags":["TierOneLeverageCapitalToAverageAssets"]}],"level":"holding","cadence":"quarterly","caveat":"Denominator is quarterly average assets, not period-end.","tier":"C","inHeadline":true,"headlineIn":["capital"],"plain":"As reported in the earnings release or filing.","why":"Applies to every bank, and is the backstop for regionals."},{"id":"scb","label":"Stress capital buffer","short":"SCB","lens":"capital","sublens":"requirement","unit":"pct","direction":"lower","formula":"[SCB]","sources":[{"source":"fed","labels":["Stress capital buffer","large-bank-capital-requirements"]},{"source":"filing","labels":["stress capital buffer","Stress capital buffer","SCB"]}],"level":"holding","cadence":"annual","caveat":"Effective October 1 until the next reset, with a 2.5% floor. Averaging and timing proposals in 2025-26 could change the reset.","tier":"C","inHeadline":true,"headlineIn":["capital"],"plain":"As published by the Fed and disclosed in filings.","carry":8,"why":"Set by the Fed each year: a direct read of relative stress loss."},{"id":"gsib_surcharge","label":"G-SIB surcharge","short":"G-SIB","lens":"capital","sublens":"requirement","unit":"pct","direction":"lower","formula":"[G-SIB surcharge]","sources":[{"source":"filing","labels":["G-SIB","GSIB surcharge"]},{"source":"fed","labels":["G-SIB surcharge"]}],"level":"holding","cadence":"annual","caveat":"Eight US G-SIBs only. The 10-K gives the forecast bucket.","tier":"C","plain":"As published by the Fed and disclosed in filings.","carry":8,"why":"The capital cost of systemic size and business mix."},{"id":"cet1_req_hc","label":"CET1 regulatory requirement","short":"CET1 req","lens":"capital","sublens":"requirement","unit":"pct","direction":"lower","formula":"4.5+[SCB]+[G-SIB surcharge]","sources":[{"source":"fed","labels":["Common equity tier 1 capital requirement","large-bank-capital-requirements"]},{"source":"filing","labels":["minimum requirement","regulatory minimum"]}],"level":"holding","cadence":"quarterly","caveat":"Banks without an SCB carry the 2.5% conservation buffer. Any countercyclical buffer would add to it.","tier":"C","plain":"4.5% CET1 minimum plus the SCB plus any G-SIB surcharge. A firm under $250B with no published SCB carries the 2.5% conservation buffer, so 7.0%.","why":"Where the capital target starts."},{"id":"cet1_vs_req_hc","label":"CET1 above requirement","short":"CET1 excess","lens":"capital","sublens":"requirement","unit":"bps","direction":"higher","formula":"([CET1 ratio]-(4.5+[SCB]+[G-SIB surcharge]))*100","sources":[{"source":"fed","labels":["large-bank-capital-requirements"]},{"source":"release","labels":["CET1","Common equity tier 1"]}],"level":"holding","cadence":"quarterly","caveat":"Management buffers on top differ, so compare with the stated target where one exists.","tier":"C","inHeadline":true,"headlineIn":["capital"],"alsoIn":["strategy"],"plain":"Reported CET1 ratio less the 4.5% minimum, SCB and any G-SIB surcharge, in basis points.","why":"The peer comparison that decides buybacks: how much room above the bar."},{"id":"tlac_hc","label":"TLAC to RWA","short":"TLAC","lens":"capital","sublens":"requirement","unit":"pct","direction":"higher","formula":"[Eligible TLAC to RWA]","sources":[{"source":"filing","labels":["TLAC","Total loss-absorbing capacity"]},{"source":"release","labels":["TLAC"]}],"level":"holding","cadence":"quarterly","caveat":"G-SIBs only. The leverage-based TLAC test can bind instead.","tier":"C","plain":"As reported in the filing or earnings release.","why":"Sizes loss-absorbing funding for G-SIBs and drives holding-level issuance plans."},{"id":"rwa_std_hc","label":"RWA, standardized","short":"RWA HC","lens":"capital","sublens":"rwa","unit":"usd","direction":"neutral","formula":"[Standardized RWA]","sources":[{"source":"release","labels":["Risk-weighted assets","risk-weighted assets","RWA"]},{"source":"filing","labels":["Risk-weighted assets","RWA"]}],"level":"holding","cadence":"quarterly","caveat":"Advanced and Basel endgame figures are separate.","tier":"C","plain":"As reported in the earnings release or filing.","why":"Denominator of every standardized risk-based capital ratio."},{"id":"rwa_density_hc","label":"RWA density, holding","short":"RWA dens HC","lens":"capital","sublens":"rwa","unit":"pct","direction":"lower","formula":"[Standardized RWA]/{Assets}*100","sources":[{"source":"release","labels":["Risk-weighted assets","RWA"]},{"source":"xbrl","tags":["Assets"]}],"level":"holding","cadence":"quarterly","caveat":"Advanced and Basel endgame figures are separate.","tier":"C","plain":"Reported standardized RWA over total assets.","why":"The group-wide density, which captures dealer activity outside the bank charter."},{"id":"cet1_aoci_hc","label":"AOCI-adjusted CET1, holding","short":"AOCI HC","lens":"capital","sublens":"holding","unit":"pct","direction":"higher","formula":"[CET1 ratio]+{AccumulatedOtherComprehensiveIncomeLossNetOfTax}/[Standardized RWA]*100*iff(optout_hc,1,0)","sources":[{"source":"release","labels":["CET1","Common equity tier 1","AOCI"]},{"source":"xbrl","tags":["AccumulatedOtherComprehensiveIncomeLossNetOfTax"]}],"level":"holding","cadence":"quarterly","caveat":"Opt-out filers only, inferred from the lead charters' CET1 walk: a firm whose CET1 already holds AOCI has no value. All AOCI is applied, including cash-flow hedge AOCI that stays filtered from CET1.","tier":"C","alsoIn":["cio"],"plain":"Reported CET1 ratio plus AOCI over standardized RWA, for opt-out filers only.","why":"The AOCI-adjusted CET1 that investors compare at group level."},{"id":"dividend_payout_hc","label":"Common dividend payout, holding","short":"Div HC","lens":"capital","sublens":"payout","unit":"pct","direction":"contextual","formula":"sum4({CommonStockDividendsPerShareDeclared})/sum4({EarningsPerShareDiluted})*100","sources":[{"source":"xbrl","tags":["CommonStockDividendsPerShareDeclared","EarningsPerShareDiluted"]}],"level":"holding","cadence":"quarterly","caveat":"Per-share basis, so not comparable with dollar payout lines. Not meaningful on trailing losses.","tier":"B","plain":"Trailing four-quarter common dividends per share over diluted EPS.","why":"Run-rate capital return, and a signal of the earnings level management will commit to."},{"id":"buyback_hc","label":"Share repurchases to net income","short":"Buyback","lens":"capital","sublens":"payout","unit":"pct","direction":"contextual","formula":"sum4({PaymentsForRepurchaseOfCommonStock})/sum4({NetIncomeLoss})*100","sources":[{"source":"xbrl","tags":["PaymentsForRepurchaseOfCommonStock","NetIncomeLoss"]}],"level":"holding","cadence":"quarterly","caveat":"10-Q cash flow is year-to-date, so difference it into quarters. Excise tax treatment differs.","tier":"B","plain":"Trailing four-quarter share repurchases over net income.","why":"The flexible part of capital return, first to move when capital tightens."},{"id":"total_payout_hc","label":"Total payout ratio","short":"Payout","lens":"capital","sublens":"payout","unit":"pct","direction":"contextual","formula":"(sum4({PaymentsForRepurchaseOfCommonStock})+sum4({PaymentsOfDividends}))/sum4({NetIncomeLoss})*100","sources":[{"source":"xbrl","tags":["PaymentsForRepurchaseOfCommonStock","PaymentsOfDividends","PaymentsOfDividendsCommonStock","PaymentsOfDividendsPreferredStockAndPreferenceStock","NetIncomeLoss"]}],"level":"holding","cadence":"quarterly","caveat":"Dividends can include preferred, so preferred-heavy issuers read higher than a common-only payout. 10-Q cash flow is year-to-date, so difference it into quarters.","tier":"B","inHeadline":true,"headlineIn":["capital"],"plain":"Trailing four-quarter share repurchases plus dividends, over net income.","why":"Total capital return against earnings power."},{"id":"share_shrink","label":"Share count reduction, YoY","short":"Shrink","lens":"capital","sublens":"payout","unit":"pct","direction":"higher","formula":"(1-{WeightedAverageNumberOfDilutedSharesOutstanding}/lag({WeightedAverageNumberOfDilutedSharesOutstanding},4))*100","sources":[{"source":"xbrl","tags":["WeightedAverageNumberOfDilutedSharesOutstanding"]}],"level":"holding","cadence":"quarterly","caveat":"Merger stock issuance swamps it. Weighted-average shares lag buybacks.","tier":"B","plain":"One less current diluted average shares over the count four quarters earlier.","why":"The per-share lift from repurchases."},{"id":"tce_ta_hc","label":"TCE to tangible assets, holding","short":"TCE/TA HC","lens":"capital","sublens":"holding","unit":"pct","direction":"higher","formula":"({StockholdersEquity}-nz({PreferredStockValue})-nz({Goodwill})-nz({IntangibleAssetsNetExcludingGoodwill}))/({Assets}-nz({Goodwill})-nz({IntangibleAssetsNetExcludingGoodwill}))*100","plain":"Common equity less goodwill and other intangibles, over assets less the same, from the balance sheet as filed.","sources":[{"source":"xbrl","tags":["StockholdersEquity","PreferredStockValue","Goodwill","IntangibleAssetsNetExcludingGoodwill","Assets"]}],"level":"holding","cadence":"quarterly","caveat":"Computed from filed balances. A firm's own printed ratio can differ by its treatment of deferred tax on intangibles.","tier":"B","why":"The investor gauge at the firm, net of AFS marks."},{"id":"common_equity_hc","label":"Common equity to assets, holding","short":"CE/A HC","lens":"capital","sublens":"holding","unit":"pct","direction":"higher","formula":"({StockholdersEquity}-nz({PreferredStockValue}))/{Assets}*100","sources":[{"source":"xbrl","tags":["StockholdersEquity","PreferredStockValue","Assets"]}],"level":"holding","cadence":"quarterly","caveat":"Includes goodwill and intangibles, so acquirers read high against TCE.","tier":"B","plain":"Stockholders' equity less preferred, over total assets, at the holding company.","why":"Cross-check on regulatory ratios with no adjustment."},{"id":"nco","label":"Net charge-off rate","short":"NCO","lens":"credit","sublens":"losses","unit":"pct","direction":"lower","formula":"NTLNLSQ*4/LNLSGR2*100","sources":[{"source":"fdic","fields":["NTLNLSQ","LNLSGR2"]},{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"]}],"level":"bank","cadence":"quarterly","caveat":"Mix drives it. Card issuers run 4-6%, prime commercial near 0.2%: compare with NCO excluding card and at peer-median mix. Simple x4 annualization.","tier":"A","inHeadline":true,"headlineIn":["credit"],"alsoIn":["strategy","cfo"],"plain":"Quarterly NCOs, annualized, over average total loans.","why":"Realized loss rate: the first number in any credit review."},{"id":"nco_ttm","label":"NCO rate, trailing four quarters","short":"NCO TTM","lens":"credit","sublens":"losses","unit":"pct","direction":"lower","formula":"sum4(NTLNLSQ)/avg(LNLSGR,5)*100","sources":[{"source":"fdic","fields":["NTLNLSQ","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Mix drives it. Card issuers run 4-6%, prime commercial near 0.2%: compare with NCO excluding card and at peer-median mix.","tier":"A","plain":"Last four quarters of NCOs over five-point average total loans.","why":"Smooths lumpy commercial charge-offs and Q4 seasonal cleanup."},{"id":"nco_ex_card","label":"NCO rate excluding card","short":"NCO x-card","lens":"credit","sublens":"losses","unit":"pct","direction":"lower","formula":"(NTLNLSQ-NTCRCDQ)*4/(LNLSGR2-avg(LNCRCD,2))*100","sources":[{"source":"fdic","fields":["NTLNLSQ","NTCRCDQ","LNLSGR2","LNCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"Still includes auto and other consumer.","tier":"A","inHeadline":true,"headlineIn":["credit"],"plain":"Quarterly NCOs less card NCOs, annualized, over average total loans less average card loans.","why":"The comparison a universal bank needs against a commercial peer."},{"id":"nco_mix_adj","label":"NCO rate at peer-median mix","short":"NCO mix-adj","lens":"credit","sublens":"losses","unit":"pct","direction":"lower","formula":"(peermedian(LNCI/LNLSGR)*nz(NTCIQ/pos(avg(LNCI,2)))+peermedian((LNRECONS+LNREMULT+LNRENRES)/LNLSGR)*nz((NTRENRSQ+NTREMULQ+NTRECONQ)/pos(avg((LNRECONS+LNREMULT+LNRENRES),2)))+peermedian(LNRERES/LNLSGR)*nz(NTRERESQ/pos(avg(LNRERES,2)))+peermedian(LNCRCD/LNLSGR)*nz(NTCRCDQ/pos(avg(LNCRCD,2)))+peermedian(LNAUTO/LNLSGR)*nz(NTAUTOQ/pos(avg(LNAUTO,2)))+peermedian(LNCONOTH/LNLSGR)*nz(NTCONOTQ/pos(avg(LNCONOTH,2))))/(peermedian(LNCI/LNLSGR)+peermedian((LNRECONS+LNREMULT+LNRENRES)/LNLSGR)+peermedian(LNRERES/LNLSGR)+peermedian(LNCRCD/LNLSGR)+peermedian(LNAUTO/LNLSGR)+peermedian(LNCONOTH/LNLSGR))*4*100","sources":[{"source":"fdic","fields":["LNCI","LNLSGR","NTCIQ","LNRECONS","LNREMULT","LNRENRES","NTRENRSQ","NTREMULQ","NTRECONQ","LNRERES","NTRERESQ","LNCRCD","NTCRCDQ","LNAUTO","NTAUTOQ","LNCONOTH","NTCONOTQ"]}],"level":"bank","cadence":"quarterly","caveat":"Peer set dependent. A bank with no book in a category scores zero for that weight, which flatters it. Rates on books under 1% of loans are noisy.","tier":"A","inHeadline":true,"headlineIn":["credit"],"requiresPeerSet":true,"plain":"Bank's annualized NCO rate in six loan categories, weighted by each category's peer-median share of loans, with the weights rescaled to sum to one.","why":"Is this bank's loss rate better than peers with portfolio mix held constant?"},{"id":"gross_co","label":"Gross charge-off rate","short":"GCO","lens":"credit","sublens":"losses","unit":"pct","direction":"lower","formula":"DRLNLSQ*4/LNLSGR2*100","sources":[{"source":"fdic","fields":["DRLNLSQ","LNLSGR2"]}],"level":"bank","cadence":"quarterly","caveat":"Ignores recoveries, so it overstates loss on books with strong collections.","tier":"A","plain":"Quarterly gross charge-offs, annualized, over average total loans.","why":"Losses before recoveries: separates credit migration from workout results."},{"id":"recovery_rate","label":"Recoveries to gross charge-offs","short":"Recovery","lens":"credit","sublens":"losses","unit":"pct","direction":"higher","formula":"CRLNLSQ/DRLNLSQ*100","sources":[{"source":"fdic","fields":["CRLNLSQ","DRLNLSQ"]}],"level":"bank","cadence":"quarterly","caveat":"Recoveries relate to earlier charge-offs, so the ratio rises as gross charge-offs fall. Sales of charged-off portfolios spike it.","tier":"A","plain":"Quarterly recoveries over quarterly gross charge-offs.","why":"Collections and workout results against what was written off."},{"id":"prov_avg_loans","label":"Provision to average loans","short":"CoR","lens":"credit","sublens":"provision","unit":"pct","direction":"lower","formula":"ELNATQ*4/LNLSGR2*100","sources":[{"source":"fdic","fields":["ELNATQ","LNLSGR2"]}],"level":"bank","cadence":"quarterly","caveat":"Includes provisions on unfunded commitments and securities. CECL brings losses forward, so macro changes hit in the quarter.","tier":"A","alsoIn":["cfo"],"plain":"Quarterly provision for credit losses, annualized, over average total loans.","why":"What credit costs the P&L."},{"id":"prov_nco","label":"Provision to net charge-offs","short":"Prov/NCO","lens":"credit","sublens":"provision","unit":"x","direction":"contextual","formula":"iff(NTLNLSQ*4/LNLSGR2>0.0002,ELNATQ/NTLNLSQ,NULL)","sources":[{"source":"fdic","fields":["NTLNLSQ","LNLSGR2","ELNATQ"]}],"level":"bank","cadence":"quarterly","caveat":"Provision includes unfunded commitments and securities, so 1x does not equal a flat loan ACL.","tier":"A","plain":"Quarterly provision over quarterly NCOs; blank when annualized NCOs are under 2bp of average loans.","why":"Above 1x management is building reserves; below 1x it is releasing them."},{"id":"reserve_build","label":"Reserve build (provision less NCO)","short":"Res build","lens":"credit","sublens":"provision","unit":"usd","direction":"contextual","formula":"(ELNATQ-NTLNLSQ)*1000","sources":[{"source":"fdic","fields":["ELNATQ","NTLNLSQ"]}],"level":"bank","cadence":"quarterly","caveat":"Provision includes unfunded commitments and securities, so this differs from the change in the loan ACL.","tier":"A","plain":"Quarterly provision less quarterly NCOs, in dollars.","why":"Dollar size of the build or release, and its effect on earnings quality."},{"id":"acl_loans","label":"Allowance to loans","short":"ACL %","lens":"credit","sublens":"reserves","unit":"pct","direction":"contextual","formula":"LNATRES/LNLSGR*100","sources":[{"source":"fdic","fields":["LNATRES","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"CECL makes it a function of duration and mix: card at 8-10%, prime mortgage under 1%. Compare with ACL at peer-median mix and by category. The denominator includes held-for-sale loans, which carry no ACL.","tier":"A","plain":"ACL on loans over total loans at quarter-end.","why":"Headline reserve level."},{"id":"acl_npl","label":"Allowance to noncurrent loans","short":"ACL/NPL","lens":"credit","sublens":"reserves","unit":"x","direction":"higher","formula":"LNATRES/NCLNLS","sources":[{"source":"fdic","fields":["LNATRES","NCLNLS"]}],"level":"bank","cadence":"quarterly","caveat":"Card rarely goes nonaccrual and carries a high ACL, which inflates it. Government-guaranteed loans depress it: compare with the ex-guaranteed version.","tier":"A","plain":"ACL on loans over noncurrent loans.","why":"Cushion over visible problem loans."},{"id":"acl_npl_exgov","label":"ACL to noncurrent, ex-guaranteed","short":"ACL/NPL x-G","lens":"credit","sublens":"reserves","unit":"x","direction":"higher","formula":"LNATRES/(NCLNLS-NCGTYPAR)","sources":[{"source":"fdic","fields":["LNATRES","NCLNLS","NCGTYPAR"]}],"level":"bank","cadence":"quarterly","caveat":"The field covers wholly and partly guaranteed balances, so it also removes unguaranteed portions.","tier":"A","plain":"ACL on loans over noncurrent loans less government-guaranteed noncurrent loans.","why":"Removes noncurrent balances with little loss content, such as FHA and VA."},{"id":"acl_nco_years","label":"Reserve coverage of TTM NCOs (years)","short":"Cov years","lens":"credit","sublens":"reserves","unit":"x","direction":"higher","formula":"(LNATRES/LNLSGR)/pos(sum4(NTLNLSQ)/avg(LNLSGR,5))","sources":[{"source":"fdic","fields":["LNATRES","NTLNLSQ"]}],"level":"bank","cadence":"quarterly","caveat":"Peak-cycle NCOs reduce it when it matters most. Short-duration books need fewer years.","tier":"A","inHeadline":true,"headlineIn":["credit"],"plain":"Allowance to loans over the trailing four quarter charge-off rate on average loans. Both are rates, so a deal inside the window does not break it.","why":"How many years of current losses the reserve covers, comparable across mix."},{"id":"earnings_cover","label":"PPNR coverage of NCO","short":"PPNR/NCO","lens":"credit","sublens":"reserves","unit":"x","direction":"higher","formula":"(NIMQ+NONIIQ-NONIXQ)/pos(NTLNLSQ)","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","NONIXQ","NTLNLSQ"]}],"level":"bank","cadence":"quarterly","caveat":"Very high at low loss rates, and blank on a net recovery, so rankings among clean banks mean little.","tier":"A","plain":"Quarterly net interest income plus noninterest income less noninterest expense, over quarterly NCOs.","why":"Loss absorption before capital is touched."},{"id":"npl","label":"Noncurrent loan ratio","short":"NPL","lens":"credit","sublens":"problem_assets","unit":"pct","direction":"lower","formula":"NCLNLS/LNLSGR*100","sources":[{"source":"fdic","fields":["NCLNLS","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Card is 90+ only, since it rarely goes nonaccrual. Rebooked GNMA loans inflate residential: compare with the ex-guaranteed ratio.","tier":"A","inHeadline":true,"headlineIn":["credit"],"plain":"Nonaccrual loans plus loans 90+ days past due and still accruing, over total loans.","why":"Stock of problem loans, the standard in every credit committee."},{"id":"npl_exgov","label":"Noncurrent ratio, ex-guaranteed","short":"NPL x-G","lens":"credit","sublens":"problem_assets","unit":"pct","direction":"lower","formula":"(NCLNLS-NCGTYPAR)/LNLSGR*100","sources":[{"source":"fdic","fields":["NCLNLS","NCGTYPAR","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"The field covers wholly and partly guaranteed balances. Guaranteed loans stay in the denominator.","tier":"A","plain":"Noncurrent loans less government-guaranteed noncurrent loans, over total loans.","why":"Mortgage servicers carry large repurchased GNMA balances with no loss content."},{"id":"nonaccrual","label":"Nonaccrual ratio","short":"Nonaccrual","lens":"credit","sublens":"problem_assets","unit":"pct","direction":"lower","formula":"NALNLS/LNLSGR*100","sources":[{"source":"fdic","fields":["NALNLS","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Lower at card-heavy banks by construction.","tier":"A","plain":"Nonaccrual loans over total loans.","why":"Removes 90+ accruing card and government balances, leaving commercial problem loans."},{"id":"p3089","label":"30 to 89 day past due ratio","short":"30-89","lens":"credit","sublens":"problem_assets","unit":"pct","direction":"lower","formula":"P3LNLS/LNLSGR*100","sources":[{"source":"fdic","fields":["P3LNLS","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Quarter-end on a weekend, holiday timing and payment system issues move it.","tier":"A","inHeadline":true,"headlineIn":["credit"],"plain":"Loans 30-89 days past due and still accruing, over total loans.","why":"Earliest public warning of stress."},{"id":"total_delinq","label":"30+ past due plus nonaccrual","short":"Delinq","lens":"credit","sublens":"problem_assets","unit":"pct","direction":"lower","formula":"(P3LNLS+NCLNLS)/LNLSGR*100","sources":[{"source":"fdic","fields":["P3LNLS","NCLNLS","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Product mix drives the level; compare inside a business-model cohort.","tier":"A","inHeadline":true,"headlineIn":["credit"],"plain":"Loans 30-89 days past due plus noncurrent loans, over total loans.","why":"All-in delinquency, early plus late stage."},{"id":"npa_assets","label":"Nonperforming assets to assets","short":"NPA","lens":"credit","sublens":"problem_assets","unit":"pct","direction":"lower","formula":"(NCLNLS+ORE)/ASSET*100","sources":[{"source":"fdic","fields":["NCLNLS","ORE","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Includes 90+ accruing and guaranteed loans. FDIC's own ratio also counts nonaccrual securities.","tier":"A","plain":"Noncurrent loans plus other real estate owned, over total assets.","why":"Balance-sheet-wide problem share."},{"id":"ore_assets","label":"Other real estate to assets","short":"OREO","lens":"credit","sublens":"problem_assets","unit":"bps","direction":"lower","formula":"ORE/ASSET*10000","sources":[{"source":"fdic","fields":["ORE","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Under 1bp at the median, so small balances swing rankings.","tier":"A","plain":"Other real estate owned over total assets, in bps.","why":"Foreclosed property carries cost and signals workout pace."},{"id":"modified_loans","label":"Modified loans to loans","short":"Mods","lens":"credit","sublens":"problem_assets","unit":"pct","direction":"lower","formula":"RSLNLTOT/LNLSGR*100","sources":[{"source":"fdic","fields":["RSLNLTOT","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Series break: ASU 2022-02 ended TDR accounting in 2023 and the field keeps the legacy label. Use holding company FDM disclosures from 2023.","tier":"A","plain":"Restructured loans as reported in the Call Report, over total loans.","why":"Modification volume signals emerging CRE and consumer stress."},{"id":"nco_ci","label":"NCO rate: C&I","short":"NCO C&I","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTCIQ*4/pos(avg(LNCI,2))*100","sources":[{"source":"fdic","fields":["NTCIQ","LNCI"]}],"level":"bank","cadence":"quarterly","caveat":"Includes leveraged and syndicated; excludes NDFI. Noisy when the book is under 1% of loans.","tier":"A","inHeadline":true,"headlineIn":["commercial"],"alsoIn":["commercial"],"plain":"Quarterly C&I NCOs, annualized, over average C&I loans.","why":"Core corporate credit quality."},{"id":"npl_ci","label":"Noncurrent rate: C&I","short":"NPL C&I","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCCI/pos(LNCI)*100","sources":[{"source":"fdic","fields":["NCCI","LNCI"]}],"level":"bank","cadence":"quarterly","caveat":"Includes leveraged and syndicated; excludes NDFI.","tier":"A","alsoIn":["commercial"],"plain":"Noncurrent C&I loans over C&I loans.","why":"Whether corporate problem loans are building ahead of charge-offs."},{"id":"pd_ci","label":"30-89 past due: C&I","short":"PD C&I","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3CI/pos(LNCI)*100","sources":[{"source":"fdic","fields":["P3CI","LNCI"]}],"level":"bank","cadence":"quarterly","caveat":"Includes leveraged and syndicated; excludes NDFI.","tier":"A","plain":"C&I loans 30-89 days past due over C&I loans.","why":"First read on corporate slippage ahead of nonaccrual."},{"id":"nco_cre","label":"NCO rate: CRE (all)","short":"NCO CRE","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"(NTRENRSQ+NTREMULQ+NTRECONQ)*4/pos(avg((LNRECONS+LNREMULT+LNRENRES),2))*100","sources":[{"source":"fdic","fields":["NTRENRSQ","NTREMULQ","NTRECONQ","LNRECONS","LNREMULT","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"Real estate-secured only. Includes owner-occupied, which dilutes office and investor stress. Noisy when the book is under 1% of loans.","tier":"A","alsoIn":["commercial"],"plain":"Quarterly construction, multifamily and nonfarm nonresidential NCOs, annualized, over average balances of those loans.","why":"Largest supervisory topic since 2023."},{"id":"npl_cre","label":"Noncurrent rate: CRE (all)","short":"NPL CRE","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"(NCRENRES+NCREMULT+NCRECONS)/pos((LNRECONS+LNREMULT+LNRENRES))*100","sources":[{"source":"fdic","fields":["NCRENRES","NCREMULT","NCRECONS","LNRECONS","LNREMULT","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"Real estate-secured only. Includes owner-occupied, which dilutes office and investor stress.","tier":"A","inHeadline":true,"headlineIn":["commercial"],"alsoIn":["commercial"],"plain":"Noncurrent construction, multifamily and nonfarm nonresidential loans over balances of those loans.","why":"Stock of CRE problem loans, the largest supervisory topic since 2023."},{"id":"pd_cre","label":"30-89 past due: CRE (all)","short":"PD CRE","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"(P3RENRES+P3REMULT+P3RECONS)/pos((LNRECONS+LNREMULT+LNRENRES))*100","sources":[{"source":"fdic","fields":["P3RENRES","P3REMULT","P3RECONS","LNRECONS","LNREMULT","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"Real estate-secured only. Includes owner-occupied, which dilutes office and investor stress.","tier":"A","plain":"Construction, multifamily and nonfarm nonresidential loans 30-89 days past due, over balances of those loans.","why":"First read on CRE slippage, though maturity defaults bypass it."},{"id":"nco_nfnr","label":"NCO rate: Nonfarm nonresidential","short":"NCO NFNR","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTRENRSQ*4/pos(avg(LNRENRES,2))*100","sources":[{"source":"fdic","fields":["NTRENRSQ","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"No office split in Call Reports: see office CRE disclosures. Noisy when the book is under 1% of loans.","tier":"A","plain":"Quarterly nonfarm nonresidential NCOs, annualized, over average nonfarm nonresidential loans.","why":"Where office, retail, industrial and hospitality losses land."},{"id":"npl_nfnr","label":"Noncurrent rate: Nonfarm nonres","short":"NPL NFNR","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCRENRES/pos(LNRENRES)*100","sources":[{"source":"fdic","fields":["NCRENRES","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"No office split in Call Reports: see office CRE disclosures.","tier":"A","plain":"Noncurrent nonfarm nonresidential loans over nonfarm nonresidential loans.","why":"Stock of problem office, retail, industrial and hospitality loans."},{"id":"pd_nfnr","label":"30-89 past due: Nonfarm nonres","short":"PD NFNR","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3RENRES/pos(LNRENRES)*100","sources":[{"source":"fdic","fields":["P3RENRES","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"No office split in Call Reports: see office CRE disclosures.","tier":"A","plain":"Nonfarm nonresidential loans 30-89 days past due over nonfarm nonresidential loans.","why":"First read on office, retail, industrial and hospitality slippage."},{"id":"nco_mf","label":"NCO rate: Multifamily","short":"NCO MF","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTREMULQ*4/pos(avg(LNREMULT,2))*100","sources":[{"source":"fdic","fields":["NTREMULQ","LNREMULT"]}],"level":"bank","cadence":"quarterly","caveat":"Top-50 median is zero, so one workout reorders the ranking. Noisy when the book is under 1% of loans.","tier":"A","plain":"Quarterly multifamily NCOs, annualized, over average multifamily loans.","why":"Where rent-regulated and coastal multifamily losses landed in 2023-26."},{"id":"npl_mf","label":"Noncurrent rate: Multifamily","short":"NPL MF","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCREMULT/pos(LNREMULT)*100","sources":[{"source":"fdic","fields":["NCREMULT","LNREMULT"]}],"level":"bank","cadence":"quarterly","caveat":"Low base: a few loans move the ranking.","tier":"A","plain":"Noncurrent multifamily loans over multifamily loans.","why":"Stock of problem multifamily, concentrated in rent-regulated and coastal books in 2023-26."},{"id":"pd_mf","label":"30-89 past due: Multifamily","short":"PD MF","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3REMULT/pos(LNREMULT)*100","sources":[{"source":"fdic","fields":["P3REMULT","LNREMULT"]}],"level":"bank","cadence":"quarterly","caveat":"Low base: a few loans move the ranking.","tier":"A","plain":"Multifamily loans 30-89 days past due over multifamily loans.","why":"First read on multifamily slippage, ahead of refinancing walls."},{"id":"nco_constr","label":"NCO rate: Construction","short":"NCO constr","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTRECONQ*4/pos(avg(LNRECONS,2))*100","sources":[{"source":"fdic","fields":["NTRECONQ","LNRECONS"]}],"level":"bank","cadence":"quarterly","caveat":"Includes land and 1-4 family construction. Noisy when the book is under 1% of loans.","tier":"A","plain":"Quarterly construction NCOs, annualized, over average construction loans.","why":"Most cyclical real estate exposure."},{"id":"npl_constr","label":"Noncurrent rate: Construction","short":"NPL constr","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCRECONS/pos(LNRECONS)*100","sources":[{"source":"fdic","fields":["NCRECONS","LNRECONS"]}],"level":"bank","cadence":"quarterly","caveat":"Includes land and 1-4 family construction.","tier":"A","plain":"Noncurrent construction loans over construction loans.","why":"Stock of problem loans in the most cyclical real estate exposure."},{"id":"pd_constr","label":"30-89 past due: Construction","short":"PD constr","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3RECONS/pos(LNRECONS)*100","sources":[{"source":"fdic","fields":["P3RECONS","LNRECONS"]}],"level":"bank","cadence":"quarterly","caveat":"Includes land and 1-4 family construction.","tier":"A","plain":"Construction loans 30-89 days past due over construction loans.","why":"First read on slippage in the most cyclical real estate exposure."},{"id":"nco_resi","label":"NCO rate: Residential 1-4","short":"NCO resi","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTRERESQ*4/pos(avg(LNRERES,2))*100","sources":[{"source":"fdic","fields":["NTRERESQ","LNRERES"]}],"level":"bank","cadence":"quarterly","caveat":"FHA/VA loss content is near zero and recoveries turn the rate negative (top-50 median is below zero). Noisy when the book is under 1% of loans.","tier":"A","alsoIn":["consumer"],"plain":"Quarterly 1-4 family NCOs, annualized, over average 1-4 family loans, including HELOC.","why":"Loss rate on the largest consumer book."},{"id":"npl_resi","label":"Noncurrent rate: Residential 1-4","short":"NPL resi","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCRERES/pos(LNRERES)*100","sources":[{"source":"fdic","fields":["NCRERES","LNRERES"]}],"level":"bank","cadence":"quarterly","caveat":"GNMA rebooks inflate it, and FHA/VA loss content is near zero.","tier":"A","plain":"Noncurrent 1-4 family loans over 1-4 family loans, including HELOC.","why":"Stock of problem loans in the largest consumer book."},{"id":"pd_resi","label":"30-89 past due: Residential 1-4","short":"PD resi","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3RERES/pos(LNRERES)*100","sources":[{"source":"fdic","fields":["P3RERES","LNRERES"]}],"level":"bank","cadence":"quarterly","caveat":"FHA/VA-heavy servicers run high with near-zero loss content.","tier":"A","plain":"1-4 family loans 30-89 days past due over 1-4 family loans, including HELOC.","why":"First read on slippage in the largest consumer book."},{"id":"nco_heloc","label":"NCO rate: HELOC","short":"NCO HELOC","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTRELOCQ*4/pos(avg(LNRELOC,2))*100","sources":[{"source":"fdic","fields":["NTRELOCQ","LNRELOC"]}],"level":"bank","cadence":"quarterly","caveat":"Recoveries turn the rate negative. Noisy when the book is under 1% of loans.","tier":"A","plain":"Quarterly HELOC NCOs, annualized, over average HELOC balances.","why":"Junior-lien stress is the lead indicator in housing downturns."},{"id":"npl_heloc","label":"Noncurrent rate: HELOC","short":"NPL HELOC","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCRELOC/pos(LNRELOC)*100","sources":[{"source":"fdic","fields":["NCRELOC","LNRELOC"]}],"level":"bank","cadence":"quarterly","caveat":"Includes first-lien HELOCs, so it is not a pure junior-lien read.","tier":"A","plain":"Noncurrent HELOC balances over HELOC balances.","why":"Stock of junior-lien problem loans, a lead indicator in housing downturns."},{"id":"pd_heloc","label":"30-89 past due: HELOC","short":"PD HELOC","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3RELOC/pos(LNRELOC)*100","sources":[{"source":"fdic","fields":["P3RELOC","LNRELOC"]}],"level":"bank","cadence":"quarterly","caveat":"Includes first-lien HELOCs, so it is not a pure junior-lien read.","tier":"A","plain":"HELOC balances 30-89 days past due over HELOC balances.","why":"First read on junior-lien slippage, a lead indicator in housing downturns."},{"id":"nco_first","label":"NCO rate: First lien mortgage","short":"NCO 1st","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTRERSFQ*4/pos(avg(LNRERSFM,2))*100","sources":[{"source":"fdic","fields":["NTRERSFQ","LNRERSFM"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes HELOC and junior liens. Recoveries turn the rate negative. Noisy when the book is under 1% of loans.","tier":"A","plain":"Quarterly first-lien 1-4 family NCOs, annualized, over average first-lien 1-4 family loans.","why":"Separates prime first-lien from the rest of the residential book."},{"id":"npl_first","label":"Noncurrent rate: First lien","short":"NPL 1st","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCRERSFM/pos(LNRERSFM)*100","sources":[{"source":"fdic","fields":["NCRERSFM","LNRERSFM"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes HELOC and junior liens. GNMA rebooks inflate it.","tier":"A","plain":"Noncurrent first-lien 1-4 family loans over first-lien 1-4 family loans.","why":"Stock of problem first-lien mortgages, apart from the rest of residential."},{"id":"pd_first","label":"30-89 past due: First lien mortgage","short":"PD 1st","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3RERSFM/pos(LNRERSFM)*100","sources":[{"source":"fdic","fields":["P3RERSFM","LNRERSFM"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes HELOC and junior liens. FHA/VA-heavy servicers run high.","tier":"A","plain":"First-lien 1-4 family loans 30-89 days past due over first-lien 1-4 family loans.","why":"First read on first-lien mortgage slippage."},{"id":"nco_card","label":"NCO rate: Credit card","short":"NCO card","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTCRCDQ*4/pos(avg(LNCRCD,2))*100","sources":[{"source":"fdic","fields":["NTCRCDQ","LNCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"On-balance only. Q1 peak, Q3 trough. Co-brand and private label mix dominates. Noisy when the book is under 1% of loans.","tier":"A","inHeadline":true,"headlineIn":["consumer"],"alsoIn":["consumer"],"plain":"Quarterly card NCOs, annualized, over average card loans.","why":"Consumer stress benchmark, read against issuer master trust data."},{"id":"npl_card","label":"Noncurrent rate: Credit card","short":"NPL card","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCCRCD/pos(LNCRCD)*100","sources":[{"source":"fdic","fields":["NCCRCD","LNCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"On-balance only. Seasonal, highest around Q4-Q1. Co-brand and private label mix dominates.","tier":"A","alsoIn":["consumer"],"plain":"Card loans 90+ days past due or nonaccrual, over card loans.","why":"Late-stage card stock, read against issuer master trust data."},{"id":"pd_card","label":"30-89 past due: Credit card","short":"PD card","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3CRCD/pos(LNCRCD)*100","sources":[{"source":"fdic","fields":["P3CRCD","LNCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"On-balance only. Seasonal: lowest in Q1-Q2 on tax refunds, rising into Q4. Co-brand and private label mix dominates.","tier":"A","alsoIn":["consumer"],"plain":"Card loans 30-89 days past due over card loans.","why":"Early-stage card delinquency, read against issuer master trust data."},{"id":"nco_auto","label":"NCO rate: Auto","short":"NCO auto","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTAUTOQ*4/pos(avg(LNAUTO,2))*100","sources":[{"source":"fdic","fields":["NTAUTOQ","LNAUTO"]}],"level":"bank","cadence":"quarterly","caveat":"Prime versus subprime mix sets the level. Noisy when the book is under 1% of loans.","tier":"A","alsoIn":["consumer"],"plain":"Quarterly auto NCOs, annualized, over average auto loans.","why":"Fast signal on lower-income consumer health."},{"id":"npl_auto","label":"Noncurrent rate: Auto","short":"NPL auto","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCAUTO/pos(LNAUTO)*100","sources":[{"source":"fdic","fields":["NCAUTO","LNAUTO"]}],"level":"bank","cadence":"quarterly","caveat":"Prime versus subprime mix sets the level. Repossession timing keeps it low against NCO.","tier":"A","plain":"Noncurrent auto loans over auto loans.","why":"Stock of problem auto loans, a read on lower-income consumers."},{"id":"pd_auto","label":"30-89 past due: Auto","short":"PD auto","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3AUTO/pos(LNAUTO)*100","sources":[{"source":"fdic","fields":["P3AUTO","LNAUTO"]}],"level":"bank","cadence":"quarterly","caveat":"Prime versus subprime mix sets the level.","tier":"A","alsoIn":["consumer"],"plain":"Auto loans 30-89 days past due over auto loans.","why":"Fast read on lower-income consumers."},{"id":"nco_othcon","label":"NCO rate: Other consumer","short":"NCO oth con","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTCONOTQ*4/pos(avg(LNCONOTH,2))*100","sources":[{"source":"fdic","fields":["NTCONOTQ","LNCONOTH"]}],"level":"bank","cadence":"quarterly","caveat":"Student loans and small books add noise. Noisy when the book is under 1% of loans.","tier":"A","plain":"Quarterly other consumer NCOs, annualized, over average other consumer loans.","why":"Personal loans and BNPL partner books."},{"id":"npl_othcon","label":"Noncurrent rate: Other consumer","short":"NPL oth con","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCCONOTH/pos(LNCONOTH)*100","sources":[{"source":"fdic","fields":["NCCONOTH","LNCONOTH"]}],"level":"bank","cadence":"quarterly","caveat":"Guaranteed student loans and small books add noise.","tier":"A","plain":"Noncurrent other consumer loans over other consumer loans.","why":"Stock of problem personal loans and BNPL partner books."},{"id":"pd_othcon","label":"30-89 past due: Other consumer","short":"PD oth cons","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3CONOTH/pos(LNCONOTH)*100","sources":[{"source":"fdic","fields":["P3CONOTH","LNCONOTH"]}],"level":"bank","cadence":"quarterly","caveat":"Guaranteed student loans and small books add noise.","tier":"A","plain":"Other consumer loans 30-89 days past due over other consumer loans.","why":"First read on personal loans and BNPL partner books."},{"id":"nco_consumer","label":"NCO rate: Total consumer","short":"NCO cons","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"NTCONQ*4/pos(avg(LNCON,2))*100","sources":[{"source":"fdic","fields":["NTCONQ","LNCON"]}],"level":"bank","cadence":"quarterly","caveat":"Card share dominates. Noisy when the book is under 1% of loans.","tier":"A","alsoIn":["consumer"],"plain":"Quarterly consumer NCOs, annualized, over average consumer loans, excluding mortgage.","why":"Aggregate retail stress, excluding mortgage."},{"id":"npl_consumer","label":"Noncurrent rate: Total consumer","short":"NPL cons","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCCON/pos(LNCON)*100","sources":[{"source":"fdic","fields":["NCCON","LNCON"]}],"level":"bank","cadence":"quarterly","caveat":"Card share dominates.","tier":"A","plain":"Noncurrent consumer loans over consumer loans, excluding mortgage.","why":"Stock of problem retail loans outside mortgage."},{"id":"pd_consumer","label":"30-89 past due: Total consumer","short":"PD cons","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3CON/pos(LNCON)*100","sources":[{"source":"fdic","fields":["P3CON","LNCON"]}],"level":"bank","cadence":"quarterly","caveat":"Card share dominates.","tier":"A","plain":"Consumer loans 30-89 days past due over consumer loans, excluding mortgage.","why":"First read on retail slippage outside mortgage."},{"id":"npl_noo","label":"Noncurrent rate: NOO nonres","short":"NPL NOO","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCRENROT/pos(LNRENROT)*100","sources":[{"source":"fdic","fields":["NCRENROT","LNRENROT"]}],"level":"bank","cadence":"quarterly","caveat":"Contains all investor property types.","tier":"A","inHeadline":true,"headlineIn":["credit"],"alsoIn":["commercial"],"plain":"Noncurrent non-owner-occupied nonfarm nonresidential loans over those loans.","why":"Investor CRE with owner-occupied stripped out: the closest public proxy for office."},{"id":"npl_oo","label":"Noncurrent rate: OO nonres","short":"NPL OO","lens":"credit","sublens":"npl_by_category","unit":"pct","direction":"lower","formula":"NCRENROW/pos(LNRENROW)*100","sources":[{"source":"fdic","fields":["NCRENROW","LNRENROW"]}],"level":"bank","cadence":"quarterly","caveat":"Small-business heavy banks show higher.","tier":"A","alsoIn":["commercial"],"plain":"Noncurrent owner-occupied nonfarm nonresidential loans over those loans.","why":"Behaves like C&I rather than property risk."},{"id":"pd_noo","label":"30-89 past due: NOO nonres","short":"PD NOO","lens":"credit","sublens":"pd_by_category","unit":"pct","direction":"lower","formula":"P3RENROT/pos(LNRENROT)*100","sources":[{"source":"fdic","fields":["P3RENROT","LNRENROT"]}],"level":"bank","cadence":"quarterly","caveat":"Maturity defaults can skip 30-89, because loans go straight to matured.","tier":"A","alsoIn":["commercial"],"plain":"Non-owner-occupied nonfarm nonresidential loans 30-89 days past due over those loans.","why":"First read on investor CRE slippage."},{"id":"nco_cre_ttm","label":"NCO rate: CRE, TTM","short":"NCO CRE TTM","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"sum4(NTRENRSQ+NTREMULQ+NTRECONQ)/avg((LNRECONS+LNREMULT+LNRENRES),5)*100","sources":[{"source":"fdic","fields":["NTRENRSQ","NTREMULQ","NTRECONQ","LNRECONS","LNREMULT","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"Real estate-secured only. Includes owner-occupied, which dilutes office and investor stress.","tier":"A","plain":"Last four quarters of construction, multifamily and nonfarm nonresidential NCOs over five-point average balances.","why":"CRE charge-offs are lumpy, so one quarter proves little."},{"id":"nco_card_ttm","label":"NCO rate: Card, TTM","short":"NCO crd TTM","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"sum4(NTCRCDQ)/pos(avg(LNCRCD,5))*100","sources":[{"source":"fdic","fields":["NTCRCDQ","LNCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"On-balance only. Co-brand and private label mix dominates.","tier":"A","alsoIn":["consumer"],"plain":"Last four quarters of card NCOs over five-point average card loans.","why":"Takes out seasonality."},{"id":"nco_ci_ttm","label":"NCO rate: C&I, TTM","short":"NCO C&I TTM","lens":"credit","sublens":"nco_by_category","unit":"pct","direction":"lower","formula":"sum4(NTCIQ)/avg(LNCI,5)*100","sources":[{"source":"fdic","fields":["NTCIQ","LNCI"]}],"level":"bank","cadence":"quarterly","caveat":"Includes leveraged and syndicated; excludes NDFI.","tier":"A","alsoIn":["commercial"],"plain":"Last four quarters of C&I NCOs over five-point average C&I loans.","why":"One or two names can swing a quarter."},{"id":"cre_office_bal","label":"Office CRE balance","short":"Office","lens":"credit","sublens":"cre_detail","unit":"usd","direction":"lower","formula":"[Office loans]","sources":[{"source":"filing","labels":["Office","office"]},{"source":"release","labels":["Office","office"]}],"level":"holding","cadence":"quarterly","caveat":"Not in Call Report. Definitions vary: some include owner-occupied, or medical.","tier":"C","alsoIn":["commercial"],"plain":"As reported in filings and earnings releases.","why":"The name-brand exposure in every board pack."},{"id":"cre_office_share","label":"Office CRE share of loans","short":"Office %","lens":"credit","sublens":"cre_detail","unit":"pct","direction":"lower","formula":"[Office loans]/{FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss}*100","sources":[{"source":"filing","labels":["Office","office"]},{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]}],"level":"holding","cadence":"quarterly","caveat":"Not in the Call Report. Some banks include owner-occupied or medical office, which changes the ranking.","tier":"C","alsoIn":["commercial"],"plain":"Reported office loans over total loans, from filings.","why":"Scale-neutral comparison."},{"id":"criticized","label":"Criticized loans to loans","short":"Criticized","lens":"credit","sublens":"internal_grade","unit":"pct","direction":"lower","formula":"[Criticized loans]/[Total loans]*100","sources":[{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]},{"source":"filing","labels":["Criticized","criticized","Special mention","Substandard"]},{"source":"release","labels":["Criticized","criticized"]}],"level":"holding","cadence":"quarterly","caveat":"Not in the Call Report. Special mention, substandard and doubtful; some banks give commercial only. Regulatory and internal grades differ.","tier":"C","inHeadline":true,"headlineIn":["credit"],"plain":"Criticized loans, from the grade table in the 10-Q credit note (special mention plus classified), over total loans. Some filers grade only commercial loans.","why":"Leads nonaccrual, and sits closest to an internal watchlist."},{"id":"classified","label":"Classified loans to loans","short":"Classified","lens":"credit","sublens":"internal_grade","unit":"pct","direction":"lower","formula":"[Classified loans]/[Total loans]*100","sources":[{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]},{"source":"filing","labels":["Classified","Substandard","classified"]},{"source":"release","labels":["Classified"]}],"level":"holding","cadence":"quarterly","caveat":"Not in the Call Report. Substandard, doubtful and loss; some banks give commercial only. Regulatory and internal grades differ.","tier":"C","plain":"Classified loans, from the grade table in the 10-Q credit note (substandard and doubtful), over total loans. Some filers grade only commercial loans.","why":"Substandard and worse: the stock most likely to reach nonaccrual and loss."},{"id":"nonaccrual_hc","label":"Nonaccrual loans, holding, to loans","short":"NAL HC","lens":"credit","sublens":"problem_assets","unit":"pct","direction":"lower","formula":"{FinancingReceivableExcludingAccruedInterestNonaccrual}/{FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss}*100","sources":[{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestNonaccrual","FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]}],"level":"holding","cadence":"quarterly","tier":"B","plain":"Nonaccrual loans over total loans, holding company, from XBRL.","why":"Group-level confirmation of bank-level noncurrent data."},{"id":"acl_hc","label":"Allowance to loans, holding","short":"ACL HC","lens":"credit","sublens":"reserves","unit":"pct","direction":"contextual","formula":"{FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest}/{FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss}*100","sources":[{"source":"xbrl","tags":["FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest","FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]}],"level":"holding","cadence":"quarterly","caveat":"The total only, with no split by portfolio.","tier":"B","plain":"ACL on loans over total loans, holding company, from XBRL.","why":"Group-wide ACL, including nonbank subsidiaries."},{"id":"acl_offbs","label":"Unfunded reserve to loans","short":"Unfunded","lens":"credit","sublens":"reserves","unit":"bps","direction":"contextual","formula":"{OffBalanceSheetCreditLossLiability}/{FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss}*10000","sources":[{"source":"xbrl","tags":["OffBalanceSheetCreditLossLiability","FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]}],"level":"holding","cadence":"quarterly","caveat":"Blank does not mean zero.","tier":"B","plain":"Reserve for unfunded commitments over total loans, holding company, in bps.","why":"The CECL coverage that sits outside the ACL on loans."},{"id":"acl_card_reported","label":"Allowance to loans: card","short":"ACL card","lens":"credit","sublens":"reserves","unit":"pct","direction":"contextual","formula":"[Card allowance]/[Card loans]*100","sources":[{"source":"filing","labels":["Credit card","credit card"]},{"source":"release","labels":["Card","card"]},{"source":"xbrl","tags":["FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest","FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]}],"level":"holding","cadence":"quarterly","caveat":"Some banks roll in other consumer. For a uniform bank-level read, see ACL to loans: credit card.","tier":"C","alsoIn":["consumer"],"plain":"Reported card allowance over reported card loans, from filings and releases.","why":"Cross-issuer reserve stance on unsecured consumer: 8-11% range."},{"id":"acl_commercial_reported","label":"Allowance to loans: commercial","short":"ACL comm","lens":"credit","sublens":"reserves","unit":"pct","direction":"contextual","formula":"[Commercial allowance]/[Commercial loans]*100","sources":[{"source":"filing","labels":["Commercial","commercial and industrial","Commercial and industrial"]},{"source":"release","labels":["Commercial"]},{"source":"xbrl","tags":["FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest","FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]}],"level":"holding","cadence":"quarterly","caveat":"Commercial includes CRE at many banks and not at others. For a uniform bank-level read, see ACL to loans: commercial.","tier":"C","alsoIn":["commercial"],"plain":"Reported commercial allowance over reported commercial loans, from filings and releases.","why":"The reserve comparison universal banks run on commercial alone."},{"id":"cf_write_hc","label":"NCO rate, holding company","short":"NCO HC","lens":"credit","sublens":"losses","unit":"pct","direction":"lower","formula":"{FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery}*4/avg({FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss},2)*100","sources":[{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery","FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]}],"level":"holding","cadence":"quarterly","caveat":"Blank does not mean zero.","tier":"B","plain":"Quarterly net write-offs, annualized, over average total loans, holding company, from XBRL.","why":"Holding-level NCO cross-check."},{"id":"cons_loan_share","label":"Consumer loan share (ex-mortgage)","short":"Cons %","lens":"consumer","sublens":"book","unit":"pct","direction":"contextual","formula":"LNCON/LNLSGR*100","sources":[{"source":"fdic","fields":["LNCON","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes mortgage and HELOC.","tier":"A","inHeadline":true,"headlineIn":["consumer"],"plain":"Consumer loans (card, auto, other; excludes residential) over total loans and leases.","why":"Size of the card, auto and unsecured business against the rest of the book."},{"id":"cons_incl_resi","label":"Consumer plus resi, share of loans","short":"Retail %","lens":"consumer","sublens":"book","unit":"pct","direction":"contextual","formula":"(LNCON+LNRERES)/LNLSGR*100","sources":[{"source":"fdic","fields":["LNCON","LNRERES","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Jumbo mortgages booked in private banking count here, which lifts wealth-heavy banks.","tier":"A","plain":"Consumer loans plus 1-4 family residential loans, including HELOCs, over total loans and leases.","why":"Full retail credit exposure, secured and unsecured."},{"id":"cons_growth","label":"Consumer loan growth","short":"Cons gr","lens":"consumer","sublens":"book","unit":"pct","direction":"higher","formula":"(LNCON/lag(LNCON,4)-1)*100","sources":[{"source":"fdic","fields":["LNCON"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers and whole-portfolio card purchases inflate it: compare pro forma before ranking.","tier":"A","inHeadline":true,"headlineIn":["consumer"],"plain":"Consumer loans now over consumer loans a year earlier, less one.","why":"Whether the bank is adding or shedding retail credit against peers."},{"id":"card_growth","label":"Card loan growth","short":"Card gr","lens":"consumer","sublens":"card","unit":"pct","direction":"higher","formula":"(LNCRCD/pos(lag(LNCRCD,4))-1)*100","sources":[{"source":"fdic","fields":["LNCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"Co-brand moves and portfolio purchases cause jumps. Suppress immaterial card books.","tier":"A","inHeadline":true,"headlineIn":["consumer"],"plain":"Credit card loans now over credit card loans a year earlier, less one.","why":"Whether an issuer is taking or losing balance share."},{"id":"auto_growth","label":"Auto loan growth","short":"Auto gr","lens":"consumer","sublens":"auto","unit":"pct","direction":"contextual","formula":"(LNAUTO/pos(lag(LNAUTO,4))-1)*100","sources":[{"source":"fdic","fields":["LNAUTO"]}],"level":"bank","cadence":"quarterly","caveat":"Small books produce large swings: suppress them before ranking.","tier":"A","plain":"Auto loans now over auto loans a year earlier, less one.","why":"Whether a lender is leaning in or out of auto."},{"id":"resi_growth","label":"Residential loan growth","short":"Resi gr","lens":"consumer","sublens":"mortgage","unit":"pct","direction":"contextual","formula":"(LNRERES/lag(LNRERES,4)-1)*100","sources":[{"source":"fdic","fields":["LNRERES"]}],"level":"bank","cadence":"quarterly","caveat":"Includes HELOCs. Pool sales and purchases can outweigh origination.","tier":"A","plain":"1-4 family residential loans, including HELOCs, now over a year earlier, less one.","why":"Appetite for keeping mortgages on balance sheet."},{"id":"heloc_growth","label":"HELOC growth","short":"HELOC gr","lens":"consumer","sublens":"mortgage","unit":"pct","direction":"contextual","formula":"(LNRELOC/pos(lag(LNRELOC,4))-1)*100","sources":[{"source":"fdic","fields":["LNRELOC"]}],"level":"bank","cadence":"quarterly","caveat":"Small books produce large swings: suppress them before ranking.","tier":"A","plain":"HELOC balances now over HELOC balances a year earlier, less one.","why":"Whether the bank is using home equity as a growth product after years of runoff."},{"id":"card_util","label":"Card line utilization","short":"Card util","lens":"consumer","sublens":"card","unit":"pct","direction":"contextual","formula":"LNCRCD/pos(LNCRCD)/pos(LNCRCD+UCCRCD)*LNCRCD*100","sources":[{"source":"fdic","fields":["LNCRCD","UCCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"Revolver versus transactor mix drives it. A 100% print means no unused lines reported (Associated), not a fully drawn book.","tier":"A","inHeadline":true,"headlineIn":["consumer"],"plain":"Credit card loans over credit card loans plus unused card lines.","why":"How much of the card line is drawn, and the room left for balance growth."},{"id":"card_lines_per_bal","label":"Unused card lines to card loans","short":"Card lines","lens":"consumer","sublens":"card","unit":"x","direction":"contextual","formula":"UCCRCD/pos(LNCRCD)","sources":[{"source":"fdic","fields":["UCCRCD","LNCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"The inverse of utilization, so transactor-heavy books run higher. Includes unconditionally cancellable lines.","tier":"A","plain":"Unused credit card lines over credit card loans, as a multiple.","why":"Size of undrawn card exposure against funded balances."},{"id":"heloc_util","label":"HELOC utilization","short":"HELOC util","lens":"consumer","sublens":"mortgage","unit":"pct","direction":"contextual","formula":"LNRELOC/(LNRELOC+UCLOC)*100","sources":[{"source":"fdic","fields":["LNRELOC","UCLOC"]}],"level":"bank","cadence":"quarterly","caveat":"Lines past draw period sit in balances with no unused line, which raises it at older books.","tier":"A","plain":"HELOC balances over HELOC balances plus unused home equity lines.","why":"How far borrowers have drawn on home equity, and the undrawn exposure behind it."},{"id":"hfs_share","label":"Held for sale share of loans","short":"HFS","lens":"consumer","sublens":"mortgage","unit":"pct","direction":"contextual","formula":"LNLSSALE/LNLSGR*100","sources":[{"source":"fdic","fields":["LNLSSALE","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Includes commercial syndications at CIBs, and originate-to-sell lenders print far above peers (SoFi 63%).","tier":"A","plain":"Loans and leases held for sale over total loans and leases.","why":"Weight of originate-to-distribute against originate-to-hold."},{"id":"servicing_portfolio","label":"Loans serviced for others to assets","short":"Serviced","lens":"consumer","sublens":"mortgage","unit":"pct","direction":"contextual","formula":"LNSERV/ASSET*100","sources":[{"source":"fdic","fields":["LNSERV","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Not a residential MSR measure: it sits below non-recourse mortgages serviced at 23 banks (Bank of America $67M against $65.9B), and non-residential servicing can dominate (KeyCorp above 300% of assets). Use non-recourse mortgages serviced for the mortgage book.","tier":"A","plain":"Principal balance reported as loans serviced for others (FDIC field LNSERV), over total assets.","why":"Size of the servicing business relative to the balance sheet."},{"id":"mtg_serviced_nonrecourse","label":"Non-recourse serviced mtg to assets","short":"Mtg svc","lens":"consumer","sublens":"mortgage","unit":"pct","direction":"contextual","formula":"MSRNRECE/ASSET*100","sources":[{"source":"fdic","fields":["MSRNRECE","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Measures unpaid principal serviced, not MSR carrying value, and excludes loans serviced with recourse.","tier":"A","plain":"Principal balance of 1-4 family mortgages serviced without recourse over total assets.","why":"Scale of residential servicing and the rate exposure that comes with the MSR."},{"id":"foreclosure_rate","label":"Serviced mortgages in foreclosure","short":"Foreclos.","lens":"consumer","sublens":"mortgage","unit":"bps","direction":"lower","formula":"MSRESFCL/pos(MSRNRECE+MSRECE)*10000","sources":[{"source":"fdic","fields":["MSRESFCL","MSRNRECE","MSRECE"]}],"level":"bank","cadence":"quarterly","caveat":"Thin serviced books swing it (HSBC above 400 bps): suppress them before ranking.","tier":"A","plain":"Serviced 1-4 family mortgages in foreclosure over 1-4 family mortgages serviced with and without recourse, in bps.","why":"Credit stress in the serviced book, and the servicing cost that follows."},{"id":"retail_accounts","label":"Deposit accounts up to $250k","short":"Accts","lens":"consumer","sublens":"deposits","unit":"count","direction":"higher","formula":"DEPSMB","sources":[{"source":"fdic","fields":["DEPSMB"]}],"level":"bank","cadence":"quarterly","caveat":"Counts accounts, not households, and includes small-business accounts. Domestic only.","tier":"A","inHeadline":true,"headlineIn":["consumer"],"plain":"Number of deposit accounts with balances of $250,000 or less.","why":"Scale of the mass-market deposit franchise."},{"id":"retail_avg_balance","label":"Avg balance, accounts up to $250k","short":"Avg bal","lens":"consumer","sublens":"deposits","unit":"usd","direction":"higher","formula":"DEPSMAMT*1000/DEPSMB","sources":[{"source":"fdic","fields":["DEPSMAMT","DEPSMB"]}],"level":"bank","cadence":"quarterly","caveat":"Includes small business. Prints above $250,000 are reporting artifacts: exclude them.","tier":"A","inHeadline":true,"headlineIn":["consumer"],"plain":"Balances in deposit accounts of $250,000 or less, over the number of those accounts.","why":"Depth of the retail relationship: thin balances point to secondary accounts."},{"id":"retail_share","label":"Deposits in accounts up to $250k","short":"Small dep","lens":"consumer","sublens":"deposits","unit":"pct","direction":"higher","formula":"DEPSMAMT/(DEPSMAMT+DEPLGAMT)*100","sources":[{"source":"fdic","fields":["DEPSMAMT","DEPLGAMT"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic only. Brokered and sweep deposits split into insured tickets count as small, which flatters brokerage-affiliated banks.","tier":"A","plain":"Balances in accounts of $250,000 or less over balances in all deposit accounts.","why":"Share of funding held in granular, largely insured balances."},{"id":"accounts_per_branch","label":"Small accounts per branch","short":"Accts/br","lens":"consumer","sublens":"deposits","unit":"count","direction":"higher","formula":"DEPSMB/OFFUSOA","sources":[{"source":"fdic","fields":["DEPSMB","OFFUSOA"]}],"level":"bank","cadence":"quarterly","caveat":"Digital-only banks print millions (USAA): exclude them from a branch cohort.","tier":"A","alsoIn":["ops"],"plain":"Deposit accounts of $250,000 or less over US offices.","why":"How many accounts each office in the network carries."},{"id":"accounts_growth","label":"Small account growth, year on year","short":"Acct gr","lens":"consumer","sublens":"deposits","unit":"pct","direction":"higher","formula":"(DEPSMB/lag(DEPSMB,4)-1)*100","sources":[{"source":"fdic","fields":["DEPSMB"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate it: compare pro forma before ranking.","tier":"A","plain":"Deposit accounts of $250,000 or less now over a year earlier, less one.","why":"Whether the franchise is adding accounts: one of the few hard acquisition measures in public data."},{"id":"service_per_acct","label":"Service charges per deposit account","short":"Svc/acct","lens":"consumer","sublens":"deposits","unit":"usd","direction":"contextual","formula":"ISERCHGQ*4*1000/(DEPSMB+DEPLGB)","sources":[{"source":"fdic","fields":["ISERCHGQ","DEPSMB","DEPLGB"]}],"level":"bank","cadence":"quarterly","caveat":"Commercial treasury fees sit in the numerator, so custody banks print in the thousands of dollars (BNY). Compare within retail cohorts.","tier":"A","inHeadline":true,"headlineIn":["consumer","payments"],"alsoIn":["payments"],"plain":"Service charges on deposit accounts, annualized, over the number of all deposit accounts.","why":"Fee extraction per account, including overdraft dependence."},{"id":"service_to_dep","label":"Service charges to deposits","short":"Svc/Dep","lens":"consumer","sublens":"deposits","unit":"bps","direction":"contextual","formula":"ISERCHGQ*4/avg(DEPDOM,2)*10000","sources":[{"source":"fdic","fields":["ISERCHGQ","DEP2","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"Overdraft policy changes create step changes.","tier":"A","alsoIn":["payments"],"plain":"Service charges on deposit accounts, annualized, over average domestic deposits.","why":"Deposit fee burden on a scale-neutral basis."},{"id":"secz_card","label":"Securitized card to card loans","short":"Card ABS","lens":"consumer","sublens":"card","unit":"pct","direction":"contextual","formula":"nz(SZLNCRCD)/pos(LNCRCD)*100","sources":[{"source":"fdic","fields":["SZLNCRCD","LNCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"Usually zero: most issuers have consolidated their trusts since 2010.","tier":"A","plain":"Principal of securitized and sold credit card balances over on-balance-sheet credit card loans.","why":"Whether on-balance-sheet card loss ratios need a managed view."},{"id":"consumer_rev_hc","label":"Consumer segment revenue","short":"Cons rev","lens":"consumer","sublens":"segment","unit":"usd","direction":"higher","formula":"[Consumer segment net revenue]","sources":[{"source":"xbrl","tags":["RevenuesNetOfInterestExpense","Revenues"]},{"source":"release","labels":["Consumer","Consumer Banking","CCB","Consumer & Community Banking"]},{"source":"filing","labels":["Consumer"]}],"level":"holding","cadence":"quarterly","caveat":"Segment scope and funds transfer pricing differ, and transfer pricing moves NII between segments. Compare growth and margin trends, not levels.","tier":"C","inHeadline":true,"headlineIn":["consumer"],"plain":"As reported in the earnings release or filing.","why":"Starting point for a consumer business head's scorecard."},{"id":"card_purchase_vol","label":"Card purchase or sales volume","short":"Card vol","lens":"consumer","sublens":"card","unit":"usd","direction":"higher","formula":"[Card sales volume]","sources":[{"source":"release","labels":["sales volume","Sales volume","purchase volume","Purchase volume","Billed business","billed business"]},{"source":"filing","labels":["sales volume","purchase volume","billed business"]}],"level":"holding","cadence":"quarterly","caveat":"Some banks combine debit and credit. Purchase and net volume differ.","tier":"C","inHeadline":true,"headlineIn":["consumer"],"plain":"As reported in the earnings release or filing.","why":"Issuer share of spend, the strongest public measure of card engagement."},{"id":"card_nco_reported","label":"Card NCO, reported","short":"Card NCO","lens":"consumer","sublens":"card","unit":"pct","direction":"lower","formula":"[Card net charge-off rate]","sources":[{"source":"release","labels":["net charge-off rate","Net charge-off rate","charge-off rate"]},{"source":"filing","labels":["net charge-off rate","Net charge-off"]}],"level":"holding","cadence":"quarterly","caveat":"Managed and reported bases differ, as do denominators (average loans versus receivables).","tier":"C","alsoIn":["credit"],"plain":"As reported in the earnings release or filing.","why":"Issuer loss comparison on each bank's own disclosed basis."},{"id":"digital_active","label":"Active digital or mobile customers","short":"Mobile","lens":"consumer","sublens":"digital","unit":"count","direction":"higher","formula":"[Active mobile customers]","sources":[{"source":"release","labels":["digital","Digital","mobile","Mobile","active mobile","Active mobile"]},{"source":"transcript","labels":["digital","mobile"]}],"level":"holding","cadence":"quarterly","caveat":"Definitions vary (30-day, 90-day, logins) and banks stop disclosing without notice.","tier":"C","inHeadline":true,"headlineIn":["consumer"],"alsoIn":["ops"],"plain":"As reported in the earnings release or on the earnings call.","why":"Depth of digital engagement across the retail base."},{"id":"consumer_marketing","label":"Marketing to revenue, holding","short":"Mktg","lens":"consumer","sublens":"segment","unit":"pct","direction":"contextual","formula":"{MarketingAndAdvertisingExpense}/({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements}))*100","sources":[{"source":"xbrl","tags":["MarketingAndAdvertisingExpense","InterestIncomeExpenseNet","NoninterestIncome"]}],"level":"holding","cadence":"quarterly","caveat":"Whole company, not the consumer segment. Card partner costs sit inside at some banks and outside at others.","tier":"B","alsoIn":["ops"],"plain":"Marketing and advertising expense over net interest income plus noninterest income, whole company.","why":"Acquisition spend intensity across the group."},{"id":"ci_growth","label":"C&I growth","short":"C&I gr","lens":"commercial","sublens":"book","unit":"pct","direction":"higher","formula":"(LNCI/lag(LNCI,4)-1)*100","sources":[{"source":"fdic","fields":["LNCI"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassification to NDFI after 2024 depresses growth, so read with C&I plus NDFI growth. Not merger-adjusted.","tier":"A","inHeadline":true,"headlineIn":["commercial"],"plain":"Year-over-year change in period-end C&I loans.","why":"Whether a bank is taking or losing C&I share as corporate demand moves."},{"id":"ci_ndfi_growth","label":"C&I plus NDFI growth","short":"C&I+NDFI gr","lens":"commercial","sublens":"book","unit":"pct","direction":"higher","formula":"((LNCI+iff(nz(LNNDEPC)+nz(LNNDEPD)>0,max(nz(LNNDEPC),nz(LNNDEPD)),NULL))/lag(LNCI+iff(nz(LNNDEPC)+nz(LNNDEPD)>0,max(nz(LNNDEPC),nz(LNNDEPD)),NULL),4)-1)*100","sources":[{"source":"fdic","fields":["LNCI","LNNDEPC","LNNDEPD"]}],"level":"bank","cadence":"quarterly","caveat":"Includes fund finance. Blank for banks reporting no NDFI. Base periods before 2024Q4 are domestic-office NDFI only, which overstates growth at banks with foreign offices.","tier":"A","plain":"Year-over-year change in C&I plus NDFI loans; NDFI is the larger of the consolidated and domestic-office figures.","why":"Strips the C&I-to-NDFI reclassification out of commercial loan growth."},{"id":"ndfi_growth","label":"NDFI growth","short":"NDFI gr","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"(iff(nz(LNNDEPC)+nz(LNNDEPD)>0,max(nz(LNNDEPC),nz(LNNDEPD)),NULL)/pos(lag(iff(nz(LNNDEPC)+nz(LNNDEPD)>0,max(nz(LNNDEPC),nz(LNNDEPD)),NULL),4))-1)*100","sources":[{"source":"fdic","fields":["LNNDEPC","LNNDEPD"]}],"level":"bank","cadence":"quarterly","caveat":"Reclassification from C&I inflates growth, and small bases produce outsized percentages. History starts in 2024.","tier":"A","inHeadline":true,"headlineIn":["commercial"],"alsoIn":["credit"],"plain":"Year-over-year change in NDFI loans, using the larger of the consolidated and domestic-office figures.","why":"How fast a bank is adding private-credit and nonbank financing exposure."},{"id":"cre_growth","label":"CRE growth","short":"CRE gr","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"((LNRECONS+LNREMULT+LNRENRES)/lag((LNRECONS+LNREMULT+LNRENRES),4)-1)*100","sources":[{"source":"fdic","fields":["LNRECONS","LNREMULT","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"Not merger-adjusted, so acquirers rank high.","tier":"A","inHeadline":true,"headlineIn":["commercial"],"plain":"Year-over-year change in construction, multifamily and nonfarm nonresidential loans.","why":"Whether a lender is de-risking or taking share."},{"id":"oo_share","label":"Owner-occupied share of nonres CRE","short":"OO %","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"LNRENROW/LNRENRES*100","sources":[{"source":"fdic","fields":["LNRENROW","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"The split rests on each bank's call on primary source of repayment.","tier":"A","plain":"Owner-occupied nonfarm nonresidential loans over all nonfarm nonresidential loans.","why":"Owner-occupied credit repays from the operating business, behaves like C&I and brings the relationship."},{"id":"mf_share","label":"Multifamily share of loans","short":"MF %","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"LNREMULT/LNLSGR*100","sources":[{"source":"fdic","fields":["LNREMULT","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Rent-regulated share is not visible: a national book and a New York book can read the same.","tier":"A","plain":"Multifamily real estate loans over gross loans and leases.","why":"Exposure to rent regulation and the multifamily refinancing wall."},{"id":"constr_share","label":"Construction share of loans","short":"Constr %","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"LNRECONS/LNLSGR*100","sources":[{"source":"fdic","fields":["LNRECONS","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Includes land and 1-4 family construction.","tier":"A","plain":"Construction and land development loans over gross loans and leases.","why":"Exposure to the property cycle and to future funding draws."},{"id":"noo_share","label":"Non-owner nonres CRE share of loans","short":"NOO %","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"LNRENROT/LNLSGR*100","sources":[{"source":"fdic","fields":["LNRENROT","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Office is not separated from retail, industrial or hotel.","tier":"A","plain":"Non-owner-occupied nonfarm nonresidential loans over gross loans and leases.","why":"Weight of investor property repaid from third-party rent, where office and retail stress lands."},{"id":"commercial_share","label":"Commercial share of loans","short":"Comm %","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"(LNCI+(LNRECONS+LNREMULT+LNRENRES)+nz(iff(nz(LNNDEPC)+nz(LNNDEPD)>0,max(nz(LNNDEPC),nz(LNNDEPD)),NULL)))/LNLSGR*100","sources":[{"source":"fdic","fields":["LNCI","LNRECONS","LNREMULT","LNRENRES","LNNDEPC","LNNDEPD","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Excludes leases, farm loans and non-NDFI other loans.","tier":"A","inHeadline":true,"headlineIn":["commercial"],"plain":"C&I, CRE and NDFI loans over gross loans and leases.","why":"Size of the wholesale book."},{"id":"foreign_ci","label":"Non-US C&I share","short":"Non-US C&I","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"nz(LNCINUS)/LNCI*100","sources":[{"source":"fdic","fields":["LNCINUS","LNCI"]}],"level":"bank","cadence":"quarterly","caveat":"Based on borrower domicile, not booking office.","tier":"A","plain":"C&I loans to borrowers domiciled outside the US over total C&I loans.","why":"Reach of the international corporate franchise."},{"id":"other_loans_share","label":"NDFI and other loans share","short":"Other %","lens":"commercial","sublens":"book","unit":"pct","direction":"contextual","formula":"LNOTHER/LNLSGR*100","sources":[{"source":"fdic","fields":["LNOTHER","LNLSGR"]}],"level":"bank","cadence":"quarterly","caveat":"Includes consumer-like securities-based lending at wealth banks.","tier":"A","plain":"NDFI and all other loans over gross loans and leases.","why":"Catches fund finance and securities-based lending that sit outside C&I."},{"id":"smallbiz_ci_share","label":"C&I under $1m share of C&I","short":"Small C&I","lens":"commercial","sublens":"small_business","unit":"pct","direction":"contextual","formula":"LNCI4/(LNCI-nz(LNCIFOR))*100","sources":[{"source":"fdic","fields":["LNCI4","LNCI","LNCIFOR"]}],"level":"bank","cadence":"quarterly","caveat":"Test is original amount, so business cards count at some banks.","tier":"A","inHeadline":true,"headlineIn":["commercial"],"plain":"C&I loans with original amounts of $1m or less over domestic-office C&I loans.","why":"Depth of the small-business franchise inside the C&I book."},{"id":"smallbiz_ci_count","label":"Small C&I loans outstanding","short":"Small C&I #","lens":"commercial","sublens":"small_business","unit":"count","direction":"higher","formula":"LNCI4N","sources":[{"source":"fdic","fields":["LNCI4N"]}],"level":"bank","cadence":"quarterly","caveat":"Counts loans, not relationships. Business card programs add millions of small loans, and the raw count scales with bank size.","tier":"A","plain":"Number of C&I loans outstanding with original amounts of $1m or less.","why":"Reach of the small-business book by loan count."},{"id":"smallbiz_ci_avg","label":"Average small C&I loan","short":"Avg small","lens":"commercial","sublens":"small_business","unit":"usd","direction":"neutral","formula":"LNCI4*1000/pos(LNCI4N)","sources":[{"source":"fdic","fields":["LNCI4","LNCI4N"]}],"level":"bank","cadence":"quarterly","caveat":"Business card programs pull the average down sharply.","tier":"A","plain":"C&I loans with original amounts of $1m or less, over the number of those loans, in dollars.","why":"Separates card-led small business from relationship lending."},{"id":"smallbiz_nfnr_share","label":"Nonres CRE under $1m share","short":"Small CRE","lens":"commercial","sublens":"small_business","unit":"pct","direction":"contextual","formula":"LNRENR4/LNRENRES*100","sources":[{"source":"fdic","fields":["LNRENR4","LNRENRES"]}],"level":"bank","cadence":"quarterly","caveat":"Test is original amount, not current balance.","tier":"A","plain":"Nonfarm nonresidential loans with original amounts of $1m or less over all nonfarm nonresidential loans.","why":"Depth of small-ticket CRE lending, often owner-occupied and tied to small business."},{"id":"ci_util","label":"Commercial line utilization (proxy)","short":"Utilization","lens":"commercial","sublens":"utilisation","unit":"pct","direction":"contextual","formula":"(LNCI+LNOTHER)/(LNCI+LNOTHER+UCOTHER)*100","sources":[{"source":"fdic","fields":["LNCI","LNOTHER","UCOTHER"]}],"level":"bank","cadence":"quarterly","caveat":"Term loans and securities-based loans sit in the numerator, so levels run above disclosed revolver utilization and wealth banks screen high. Compare trend across banks, not to reported figures.","tier":"A","inHeadline":true,"headlineIn":["commercial"],"plain":"C&I and other loans over those loans plus unused commitments other than card, home equity and CRE.","why":"Corporate borrowing appetite, and the first read on C&I demand."},{"id":"cre_unfunded_ratio","label":"Unfunded CRE commitments to CRE","short":"CRE unf","lens":"commercial","sublens":"utilisation","unit":"pct","direction":"contextual","formula":"UCCOMRES/(LNRECONS+LNREMULT+LNRENRES)*100","sources":[{"source":"fdic","fields":["UCCOMRE","LNRECONS","LNREMULT","LNRENRES","UCCOMRES"]}],"level":"bank","cadence":"quarterly","caveat":"Unsecured commitments to REITs and other CRE lenders are left out, as their drawn loans are.","tier":"A","alsoIn":["credit"],"plain":"Unused commitments secured by real estate to fund CRE, construction and land loans, over funded CRE loans.","why":"Future funding draw from construction and the size of the CRE pipeline."},{"id":"uc_over1_share","label":"Commitments over 1 year share","short":"UC >1y","lens":"commercial","sublens":"utilisation","unit":"pct","direction":"contextual","formula":"UCOVER1/(UC-nz(UCCRCD))*100","sources":[{"source":"fdic","fields":["UCOVER1","UC","UCCRCD"]}],"level":"bank","cadence":"quarterly","caveat":"Maturity is original, not remaining.","tier":"A","plain":"Unused commitments with original maturity over one year, per risk-based capital schedule, over unused commitments excluding card lines.","why":"Commitments past one year carry a 50% credit conversion factor against 20% inside a year."},{"id":"sblc_assets","label":"Standby letters of credit to assets","short":"SBLC","lens":"commercial","sublens":"off_balance","unit":"pct","direction":"contextual","formula":"LOCFPSB/ASSET*100","sources":[{"source":"fdic","fields":["LOCFPSB","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Financial and performance standbys are combined, and they carry different risk.","tier":"A","plain":"Financial and performance standby letters of credit over total assets.","why":"Size of the guarantee book and the contingent liquidity call behind it."},{"id":"comm_lc_assets","label":"Commercial LCs to assets","short":"CLC","lens":"commercial","sublens":"off_balance","unit":"bps","direction":"contextual","formula":"LOCCOM/ASSET*10000","sources":[{"source":"fdic","fields":["LOCCOM","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Most top-50 banks sit near zero, so rank gaps below the top few mean little.","tier":"A","plain":"Commercial letters of credit over total assets, in basis points.","why":"Trade finance footprint."},{"id":"commercial_rev_hc","label":"Commercial segment revenue","short":"Comm rev","lens":"commercial","sublens":"segment","unit":"usd","direction":"higher","formula":"[Commercial segment revenue]","sources":[{"source":"xbrl","tags":["RevenuesNetOfInterestExpense","Revenues"]},{"source":"release","labels":["Commercial","Corporate","Commercial Banking","Wholesale"]},{"source":"filing","labels":["Commercial Banking","Commercial"]}],"level":"holding","cadence":"quarterly","caveat":"Segment definition varies, with middle market in or out of the CIB, so this is not like for like.","tier":"C","inHeadline":true,"headlineIn":["commercial"],"plain":"Revenue of the segment that answers for commercial clients, as reported. JPMorgan reads payments plus lending of its corporate and investment bank, without markets.","why":"The headline on the commercial business head's scorecard."},{"id":"trading_rev_share","label":"Trading revenue share","short":"Trading %","lens":"markets","sublens":"trading","unit":"pct","direction":"contextual","formula":"IGLTRDQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["IGLTRDQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Trading NII sits in NII, so FICC-heavy banks read low. Revenue in nonbank dealers is excluded, which matters at GS and MS.","tier":"A","inHeadline":true,"headlineIn":["markets"],"alsoIn":["cfo"],"plain":"Quarterly trading revenue over quarterly NII plus noninterest income.","why":"Sizes how much of the bank's earnings depends on markets activity."},{"id":"trading_gross_share","label":"Trading share, gross of interest","short":"Trading gross","lens":"markets","sublens":"trading","unit":"pct","direction":"contextual","formula":"(IGLTRDQ+nz(ITRADEQ))/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["IGLTRDQ","ITRADEQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Trading interest expense is not reported, so the share overstates the net trading result, most at FICC-heavy banks.","tier":"A","plain":"Quarterly trading revenue plus trading interest income, over quarterly NII plus noninterest income.","why":"Corrects trading share for banks that book much of their trading result in NII."},{"id":"trd_rate_share","label":"Trading mix: rates","short":"Rates","lens":"markets","sublens":"trading","unit":"pct","direction":"contextual","formula":"IGLRTEXQ/IGLTRDQ*100","sources":[{"source":"fdic","fields":["IGLRTEXQ","IGLTRDQ"]}],"level":"bank","cadence":"quarterly","caveat":"Lines can offset, so shares can exceed 100. A quarterly trading loss flips the sign, so drop those quarters from rankings.","tier":"A","plain":"Quarterly trading revenue from interest rate exposures over total quarterly trading revenue.","why":"Shows how far the trading result depends on rates activity."},{"id":"trd_fx_share","label":"Trading mix: FX","short":"FX","lens":"markets","sublens":"trading","unit":"pct","direction":"contextual","formula":"IGLFXEXQ/IGLTRDQ*100","sources":[{"source":"fdic","fields":["IGLFXEXQ","IGLTRDQ"]}],"level":"bank","cadence":"quarterly","caveat":"Lines can offset, so shares can exceed 100. A quarterly trading loss flips the sign, so drop those quarters from rankings.","tier":"A","plain":"Quarterly trading revenue from FX exposures over total quarterly trading revenue.","why":"Shows how far the trading result depends on FX, often client-driven at regional banks."},{"id":"trd_eq_share","label":"Trading mix: equities","short":"Equities","lens":"markets","sublens":"trading","unit":"pct","direction":"contextual","formula":"IGLEDEXQ/IGLTRDQ*100","sources":[{"source":"fdic","fields":["IGLEDEXQ","IGLTRDQ"]}],"level":"bank","cadence":"quarterly","caveat":"Lines can offset, so shares can exceed 100. A quarterly trading loss flips the sign, so drop those quarters from rankings.","tier":"A","plain":"Quarterly trading revenue from equity exposures over total quarterly trading revenue.","why":"Shows how far the trading result depends on equity derivatives."},{"id":"trd_cmdty_share","label":"Trading mix: commodities","short":"Commodities","lens":"markets","sublens":"trading","unit":"pct","direction":"contextual","formula":"IGLCMEXQ/IGLTRDQ*100","sources":[{"source":"fdic","fields":["IGLCMEXQ","IGLTRDQ"]}],"level":"bank","cadence":"quarterly","caveat":"Lines can offset, so shares can exceed 100. A quarterly trading loss flips the sign, so drop those quarters from rankings.","tier":"A","plain":"Quarterly trading revenue from commodity exposures over total quarterly trading revenue.","why":"Shows how far the trading result depends on commodities, which few banks run at scale."},{"id":"trd_credit_share","label":"Trading mix: credit","short":"Credit","lens":"markets","sublens":"trading","unit":"pct","direction":"contextual","formula":"IGLCREXQ/IGLTRDQ*100","sources":[{"source":"fdic","fields":["IGLCREXQ","IGLTRDQ"]}],"level":"bank","cadence":"quarterly","caveat":"Lines can offset, so shares can exceed 100. A quarterly trading loss flips the sign, so drop those quarters from rankings.","tier":"A","plain":"Quarterly trading revenue from credit exposures over total quarterly trading revenue.","why":"Shows how far the trading result depends on credit trading and hedges."},{"id":"trading_assets_share","label":"Trading assets to assets","short":"Trd assets","lens":"markets","sublens":"trading","unit":"pct","direction":"contextual","formula":"TRADE/ASSET*100","sources":[{"source":"fdic","fields":["TRADE","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Includes derivative receivables.","tier":"A","inHeadline":true,"headlineIn":["markets"],"plain":"Period-end trading assets over total assets.","why":"Sizes the balance sheet committed to markets."},{"id":"trading_rev_yield","label":"Trading revenue to trading assets","short":"Trd yield","lens":"markets","sublens":"trading","unit":"pct","direction":"higher","formula":"IGLTRDQ*4/avg(TRADE,2)*100","sources":[{"source":"fdic","fields":["IGLTRDQ","TRADE"]}],"level":"bank","cadence":"quarterly","caveat":"Small books produce outsized ratios, so compare only banks with active trading books.","tier":"A","plain":"Quarterly trading revenue, annualized, over average trading assets for the last two quarter-ends.","why":"Tests what the markets balance sheet earns against what it could earn elsewhere."},{"id":"repo_book","label":"Fed funds and rev repo to assets","short":"FF/rev repo","lens":"markets","sublens":"financing","unit":"pct","direction":"contextual","formula":"FREPO/ASSET*100","sources":[{"source":"fdic","fields":["FREPO","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Period-end balance, so exposed to quarter-end window dressing. Includes fed funds sold and excludes books held in nonbank dealers.","tier":"A","inHeadline":true,"headlineIn":["markets"],"plain":"Period-end fed funds sold and reverse repo over total assets.","why":"Sizes the secured financing book and overnight liquidity deployment."},{"id":"deriv_notional_x","label":"Derivative notional to assets","short":"Deriv notl","lens":"markets","sublens":"derivatives","unit":"x","direction":"contextual","formula":"OBSDIR/ASSET","sources":[{"source":"fdic","fields":["OBSDIR","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Notional overstates risk and ignores netting. Bank-level, while the G-SIB input is measured at the holding company.","tier":"A","inHeadline":true,"headlineIn":["markets"],"plain":"Total off-balance sheet derivative notional over total assets, as a multiple.","why":"Marks derivatives complexity and tracks a G-SIB score input."},{"id":"fx_notional_x","label":"FX notional to assets","short":"FX notl","lens":"markets","sublens":"derivatives","unit":"x","direction":"contextual","formula":"FX/ASSET","sources":[{"source":"fdic","fields":["FX","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Notional overstates risk, and short-dated contracts inflate it.","tier":"A","inHeadline":true,"headlineIn":["markets"],"plain":"Foreign exchange contract notional over total assets, as a multiple.","why":"Sizes the client FX and FX hedging business."},{"id":"cds_notional_share","label":"Credit deriv notional to assets","short":"Credit notl","lens":"markets","sublens":"derivatives","unit":"pct","direction":"contextual","formula":"(CTDERBEN+CTDERGTY)/ASSET*100","sources":[{"source":"fdic","fields":["CTDERBEN","CTDERGTY","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Gross of offsets, so matched bought and sold protection inflates the figure. Notional overstates risk.","tier":"A","plain":"Credit derivative notional, protection bought plus protection sold, over total assets.","why":"Sizes credit trading and hedging activity."},{"id":"deriv_pos_fv","label":"Derivative payable FV to CET1","short":"Deriv pay","lens":"markets","sublens":"derivatives","unit":"pct","direction":"lower","formula":"TRLREVAL/RBCT1C*100","sources":[{"source":"fdic","fields":["TRLREVAL","RBCT1C"]}],"level":"bank","cadence":"quarterly","caveat":"Measures payables, not receivables, so it stands in for counterparty exposure only where the book is balanced.","tier":"A","alsoIn":["capital"],"plain":"Period-end negative fair value of trading derivatives, gross of netting, over bank CET1 capital.","why":"Sizes derivative payables against capital, as a stand-in for counterparty exposure."},{"id":"ib_fee_share","label":"IB and brokerage fees share of revenue","short":"IB fee %","lens":"markets","sublens":"ib","unit":"pct","direction":"contextual","formula":"IINVFEEQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["IINVFEEQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Includes retail brokerage. Fees booked in nonbank dealers are excluded at most banks.","tier":"A","inHeadline":true,"headlineIn":["markets"],"plain":"Quarterly investment banking, advisory, brokerage and underwriting fees over quarterly NII plus noninterest income.","why":"Sizes the fee franchise that sits in the bank charter."},{"id":"ib_growth","label":"IB and brokerage fee growth","short":"IB gr","lens":"markets","sublens":"ib","unit":"pct","direction":"higher","formula":"(sum4(IINVFEEQ)/lag(sum4(IINVFEEQ),4)-1)*100","sources":[{"source":"fdic","fields":["IINVFEEQ"]}],"level":"bank","cadence":"quarterly","caveat":"Includes retail brokerage, so market levels can drive growth. Fees booked in nonbank dealers are excluded at most banks.","tier":"A","plain":"Trailing four quarters of investment banking and brokerage fees over the prior four quarters, less one.","why":"Separates share gains from the capital markets cycle when read against peers."},{"id":"ib_fees_hc","label":"Investment banking fees, holding co","short":"IB fees","lens":"markets","sublens":"ib","unit":"usd","direction":"higher","formula":"[Investment banking fees]","sources":[{"source":"release","labels":["Investment banking","Investment banking fees"]},{"source":"filing","labels":["Investment banking"]},{"source":"xbrl","tags":["InvestmentBankingRevenue"]}],"level":"holding","cadence":"quarterly","caveat":"Holding-company figure, so not comparable with bank-level IB fee share.","tier":"C","inHeadline":true,"headlineIn":["markets"],"plain":"As reported in the earnings release.","why":"Holding-company benchmark for CIB share, read against the league tables."},{"id":"markets_rev","label":"Markets revenue, total","short":"Markets","lens":"markets","sublens":"trading","unit":"usd","direction":"higher","formula":"[Markets revenue]","sources":[{"source":"release","labels":["Markets","Total Markets","Sales and trading","Global Markets","Market Making"]},{"source":"filing","labels":["Markets","Sales and trading"]},{"source":"xbrl","tags":["Revenues"]}],"level":"holding","cadence":"quarterly","caveat":"Includes trading NII. DVA and CVA treatment differs by bank, so check it before ranking.","tier":"C","inHeadline":true,"headlineIn":["markets"],"plain":"Fixed income plus equities sales and trading, or the bank's own markets line where it prints that alone. Securities services are outside it.","why":"Headline sales and trading figure for comparing markets franchises."},{"id":"markets_fixed","label":"FICC revenue","short":"FICC","lens":"markets","sublens":"trading","unit":"usd","direction":"higher","formula":"[Fixed income markets revenue]","sources":[{"source":"release","labels":["Fixed Income","Fixed income","FICC"]},{"source":"filing","labels":["Fixed income","FICC"]}],"level":"holding","cadence":"quarterly","caveat":"Includes trading NII. DVA and CVA treatment differs by bank, so check it before ranking.","tier":"C","plain":"As reported in the earnings release.","why":"Sets fixed income franchise size and momentum against peers."},{"id":"markets_equity","label":"Equities revenue","short":"Eq mkts","lens":"markets","sublens":"trading","unit":"usd","direction":"higher","formula":"[Equity markets revenue]","sources":[{"source":"release","labels":["Equity Markets","Equity markets","Equities"]},{"source":"filing","labels":["Equity markets","Equities"]}],"level":"holding","cadence":"quarterly","caveat":"Includes trading NII. DVA and CVA treatment differs by bank, so check it before ranking.","tier":"C","plain":"As reported in the earnings release.","why":"Sets equities franchise size and momentum against peers."},{"id":"var_avg","label":"Average VaR","short":"VaR","lens":"markets","sublens":"risk","unit":"usd","direction":"lower","formula":"[Average total VaR]","sources":[{"source":"filing","labels":["VaR","Value-at-risk","Value at risk"]},{"source":"release","labels":["VaR"]}],"level":"holding","cadence":"quarterly","caveat":"Confidence level and horizon differ by bank. Scale to one basis first: z-score for confidence, square root of time for horizon.","tier":"C","inHeadline":true,"headlineIn":["markets"],"plain":"As reported in the earnings release.","why":"Shows the market risk taken to earn markets revenue."},{"id":"rev_per_var","label":"Markets revenue to VaR","short":"Rev/VaR","lens":"markets","sublens":"risk","unit":"x","direction":"higher","formula":"[Markets revenue]/[Average total VaR]","sources":[{"source":"release","labels":["Markets"]},{"source":"filing","labels":["VaR"]}],"level":"holding","cadence":"quarterly","caveat":"Inherits VaR basis differences: a 95% reporter reads higher than a 99% reporter on the same book.","tier":"C","plain":"Reported markets revenue over reported average total VaR, as a multiple.","why":"Compares markets revenue earned per unit of reported market risk."},{"id":"trading_liab_share","label":"Trading liabilities to liabilities","short":"Trd liab","lens":"markets","sublens":"financing","unit":"pct","direction":"contextual","formula":"TRADEL/LIAB*100","sources":[{"source":"fdic","fields":["TRADEL","LIAB"]}],"level":"bank","cadence":"quarterly","caveat":"Mainly short positions and derivative payables, so it is not a stable funding source.","tier":"A","plain":"Period-end trading liabilities over total liabilities.","why":"Sizes the funding side of the markets book."},{"id":"trade_gains_tag","label":"Trading gains, holding","short":"Trd gain","lens":"markets","sublens":"trading","unit":"usd","direction":"higher","formula":"{TradingGainsLosses}","sources":[{"source":"xbrl","tags":["TradingGainsLosses"]}],"level":"holding","cadence":"quarterly","caveat":"Most banks do not report this line, so most peers show blank.","tier":"B","plain":"As tagged in the holding company's XBRL filing.","why":"Gives a holding-company trading result to set against the bank-level line."},{"id":"fid_assets","label":"Total fiduciary and related assets","short":"Fiduciary","lens":"wealth","sublens":"aum","unit":"usd","direction":"higher","formula":"TFRA*1000","sources":[{"source":"fdic","fields":["TFRA"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charter trust only: broker-dealer assets (Merrill, Morgan Stanley Wealth, Schwab) are outside. Use holding client assets.","tier":"A","plain":"Total fiduciary and related assets at the bank charter, period end, excluding custody and safekeeping accounts.","why":"Sizes the bank-charter trust franchise against peers."},{"id":"fid_managed","label":"Managed fiduciary assets","short":"Managed","lens":"wealth","sublens":"aum","unit":"usd","direction":"higher","formula":"TTMA*1000","sources":[{"source":"fdic","fields":["TTMA"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charter trust only: broker-dealer assets (Merrill, Morgan Stanley Wealth, Schwab) are outside. Use holding client assets.","tier":"A","inHeadline":true,"headlineIn":["wealth"],"plain":"Discretionary fiduciary assets managed by the bank charter, period end.","why":"Sizes the discretionary pool, where trust fee rates are highest."},{"id":"fid_managed_share","label":"Managed share of fiduciary","short":"Mgd %","lens":"wealth","sublens":"aum","unit":"pct","direction":"higher","formula":"TTMA/TFRA*100","sources":[{"source":"fdic","fields":["TTMA","TFRA"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charter trust only: broker-dealer assets (Merrill, Morgan Stanley Wealth, Schwab) are outside. Use holding client assets.","tier":"A","plain":"Managed fiduciary assets over total fiduciary and related assets, period end.","why":"Shows how much of the trust book carries discretionary pricing rather than administration fees."},{"id":"fid_growth","label":"Managed assets growth","short":"Mgd gr","lens":"wealth","sublens":"aum","unit":"pct","direction":"higher","formula":"(TTMA/lag(TTMA,4)-1)*100","sources":[{"source":"fdic","fields":["TTMA"]}],"level":"bank","cadence":"quarterly","caveat":"Market moves dominate; acquisitions and book transfers between charters also break the series. Smaller filers report year-end only.","tier":"A","inHeadline":true,"headlineIn":["wealth"],"plain":"Managed fiduciary assets over the same balance four quarters earlier, less one.","why":"Tests trust franchise momentum, with market and flows combined."},{"id":"fid_assets_rev","label":"Fiduciary assets to balance sheet","short":"Fid/A","lens":"wealth","sublens":"aum","unit":"x","direction":"contextual","formula":"TFRA/ASSET","sources":[{"source":"fdic","fields":["TFRA","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charter trust only: broker-dealer assets are outside, so wealth-heavy groups read low.","tier":"A","plain":"Total fiduciary and related assets over total bank assets, period end, shown as a multiple.","why":"Shows how much client business the charter runs off balance sheet relative to its own assets."},{"id":"fid_income_share","label":"Fiduciary income share of revenue","short":"Fid %","lens":"wealth","sublens":"income","unit":"pct","direction":"contextual","formula":"IFIDUCQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["IFIDUCQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Bank-entity only. For wealth-heavy banks use segment numbers.","tier":"A","inHeadline":true,"headlineIn":["wealth"],"alsoIn":["cfo"],"plain":"Quarterly fiduciary income over quarterly net interest income plus noninterest income.","why":"Measures reliance on capital-light fee income relative to spread income."},{"id":"fid_fee_rate","label":"Fiduciary income to managed assets","short":"Fid bp","lens":"wealth","sublens":"income","unit":"bps","direction":"higher","formula":"IFIDUCQ*4/avg(TTMA,2)*10000","sources":[{"source":"fdic","fields":["IFIDUCQ","TTMA"]}],"level":"bank","cadence":"quarterly","caveat":"Numerator includes non-managed and custody fees but the denominator is managed only, so custody banks and low-managed books read high.","tier":"A","inHeadline":true,"headlineIn":["wealth"],"plain":"Quarterly fiduciary income, annualized, over average managed fiduciary assets (two quarter-ends).","why":"Compares pricing and mix on the managed book at wealth-style trust banks."},{"id":"fid_income_growth","label":"Fiduciary income growth","short":"Fid gr","lens":"wealth","sublens":"income","unit":"pct","direction":"higher","formula":"(sum4(IFIDUCQ)/lag(sum4(IFIDUCQ),4)-1)*100","sources":[{"source":"fdic","fields":["IFIDUCQ"]}],"level":"bank","cadence":"quarterly","caveat":"Market-linked: fees priced on asset values move with equity markets.","tier":"A","plain":"Trailing four-quarter fiduciary income over the same sum one year earlier, less one.","why":"Tests whether the trust fee line is compounding once seasonality is removed."},{"id":"personal_managed","label":"Personal and agency managed share","short":"Pers %","lens":"wealth","sublens":"aum","unit":"pct","direction":"contextual","formula":"TPMA/TTMA*100","sources":[{"source":"fdic","fields":["TPMA","TTMA"]}],"level":"bank","cadence":"quarterly","caveat":"Shares reflect legal account type: advisory-wrapped private client assets sit in investment agency instead.","tier":"A","plain":"Managed personal trust and agency assets over total managed fiduciary assets, period end.","why":"Shows how much of the managed book is private client."},{"id":"inst_managed","label":"Investment agency managed share","short":"Inv %","lens":"wealth","sublens":"aum","unit":"pct","direction":"contextual","formula":"TIMMA/TTMA*100","sources":[{"source":"fdic","fields":["TIMMA","TTMA"]}],"level":"bank","cadence":"quarterly","caveat":"The category holds both retail advisory and institutional mandates, so it does not isolate institutional business.","tier":"A","plain":"Managed investment management and advisory agency assets over total managed fiduciary assets, period end.","why":"Shows how much of the managed book sits in agency mandates rather than trust accounts."},{"id":"emp_benefit_managed","label":"Employee benefit managed share","short":"EB %","lens":"wealth","sublens":"aum","unit":"pct","direction":"contextual","formula":"(TEBMA+TECMA)/TTMA*100","sources":[{"source":"fdic","fields":["TEBMA","TECMA","TTMA"]}],"level":"bank","cadence":"quarterly","caveat":"Most top 50 banks sit near zero: the ranking separates a few plan-focused trust banks.","tier":"A","plain":"Managed defined benefit plus defined contribution assets over total managed fiduciary assets, period end.","why":"Sizes the retirement plan franchise within the managed book."},{"id":"foundation_managed","label":"Foundation, endowment managed share","short":"F&E %","lens":"wealth","sublens":"aum","unit":"pct","direction":"contextual","formula":"TFEMA/TTMA*100","sources":[{"source":"fdic","fields":["TFEMA","TTMA"]}],"level":"bank","cadence":"quarterly","caveat":"Share of the managed book only: a high share can sit on a small book, so read with managed assets.","tier":"A","plain":"Managed foundation and endowment assets over total managed fiduciary assets, period end.","why":"Sizes the not-for-profit institutional franchise within the managed book."},{"id":"ira_managed","label":"IRA and retirement managed share","short":"IRA %","lens":"wealth","sublens":"aum","unit":"pct","direction":"contextual","formula":"(TRHMA+TORMA)/TTMA*100","sources":[{"source":"fdic","fields":["TRHMA","TORMA","TTMA"]}],"level":"bank","cadence":"quarterly","caveat":"Rollovers held at a broker-dealer affiliate are outside, so groups with large brokerage arms read low.","tier":"A","plain":"Managed IRA plus other retirement assets over total managed fiduciary assets, period end.","why":"Shows how much rollover money the trust charter captures."},{"id":"fid_accounts","label":"Fiduciary accounts","short":"Fid accts","lens":"wealth","sublens":"aum","unit":"count","direction":"higher","formula":"NFAA","sources":[{"source":"fdic","fields":["NFAA"]}],"level":"bank","cadence":"quarterly","caveat":"Counts accounts, not clients: one household or plan sponsor can hold several.","tier":"A","plain":"Number of fiduciary and related asset accounts at the bank charter, period end.","why":"Sizes the trust relationship base independent of market values."},{"id":"fid_avg_account","label":"Average fiduciary account","short":"Avg acct","lens":"wealth","sublens":"aum","unit":"usd","direction":"higher","formula":"TFRA*1000/pos(NFAA)","sources":[{"source":"fdic","fields":["TFRA","NFAA"]}],"level":"bank","cadence":"quarterly","caveat":"A few large institutional or corporate accounts lift the average: a high figure does not mean wealthier private clients.","tier":"A","plain":"Total fiduciary and related assets over the number of fiduciary accounts, period end.","why":"Places the trust book by client segment, from mass affluent to institutional."},{"id":"cif_share","label":"Collective funds to fiduciary","short":"CIF %","lens":"wealth","sublens":"aum","unit":"pct","direction":"contextual","formula":"TCTOTMV/TFRA*100","sources":[{"source":"fdic","fields":["TCTOTMV","TFRA"]}],"level":"bank","cadence":"quarterly","caveat":"Zero at the median filer: the ranking separates only the few fund sponsors.","tier":"A","plain":"Market value of collective investment funds over total fiduciary and related assets, period end.","why":"Identifies which charters run a collective fund platform at scale."},{"id":"custody_assets","label":"Custody and safekeeping assets","short":"AUC","lens":"wealth","sublens":"custody","unit":"usd","direction":"higher","formula":"TCSNMA*1000","sources":[{"source":"fdic","fields":["TCSNMA"]}],"level":"bank","cadence":"quarterly","caveat":"Accounts with multiple services can inflate the figure. For BK, STT and NTRS use reported AUC/A at the holding company.","tier":"A","inHeadline":true,"headlineIn":["wealth"],"alsoIn":["payments"],"plain":"Non-managed custody and safekeeping assets at the bank charter, period end.","why":"Sizes bank-charter custody for the primary custody banks and for regionals with a corporate book."},{"id":"custody_x_assets","label":"Custody assets to balance sheet","short":"AUC/A","lens":"wealth","sublens":"custody","unit":"x","direction":"contextual","formula":"TCSNMA/ASSET","sources":[{"source":"fdic","fields":["TCSNMA","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Accounts with multiple services can inflate the figure. For BK, STT and NTRS use reported AUC/A at the holding company.","tier":"A","plain":"Non-managed custody and safekeeping assets over total bank assets, period end, shown as a multiple.","why":"Separates servicing models from balance-sheet models."},{"id":"custody_fee_rate","label":"Custody income to custody assets","short":"AUC bp","lens":"wealth","sublens":"custody","unit":"bps","direction":"higher","formula":"ytdq(TICS)*4/avg(TCSNMA,2)*10000","sources":[{"source":"fdic","fields":["TICS","QTRNO","TCSNMA"]}],"level":"bank","cadence":"quarterly","caveat":"Gross custody income only: wider asset servicing fees sit elsewhere, so servicing banks read low.","tier":"A","plain":"Quarterly gross custody income, annualized, over average custody assets (two quarter-ends).","why":"Compares custody pricing across banks of different scale."},{"id":"trust_income_personal","label":"Personal and agency income share","short":"Pers inc","lens":"wealth","sublens":"income","unit":"pct","direction":"contextual","formula":"TIP/IFIDUC*100","sources":[{"source":"fdic","fields":["TIP","IFIDUC"]}],"level":"bank","cadence":"quarterly","caveat":"Fee share, not asset share: compare with the managed mix to see pricing differences.","tier":"A","plain":"Year-to-date gross personal trust and agency income over year-to-date fiduciary income.","why":"Shows how much trust income comes from private clients."},{"id":"trust_income_agency","label":"Investment agency income share","short":"Agy inc","lens":"wealth","sublens":"income","unit":"pct","direction":"contextual","formula":"TIMA/IFIDUC*100","sources":[{"source":"fdic","fields":["TIMA","IFIDUC"]}],"level":"bank","cadence":"quarterly","caveat":"Holds both retail advisory and institutional fees, so it does not isolate either.","tier":"A","plain":"Year-to-date gross investment management and agency income over year-to-date fiduciary income.","why":"Shows how much trust income comes from advisory and investment agency mandates."},{"id":"insurance_rev_share","label":"Insurance income share of revenue","short":"Ins %","lens":"wealth","sublens":"income","unit":"pct","direction":"contextual","formula":"IINSCOMQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["IINSCOMQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Agency disposals break the series. Excludes agencies held outside the bank charter, so groups with HoldCo agencies read low.","tier":"A","plain":"Quarterly insurance commissions and fees over quarterly net interest income plus noninterest income.","why":"Sizes insurance agency fees, which regionals often report alongside wealth."},{"id":"wealth_rev_hc","label":"Wealth segment revenue","short":"Wealth rev","lens":"wealth","sublens":"segment","unit":"usd","direction":"higher","formula":"[Wealth segment revenue]","sources":[{"source":"xbrl","tags":["RevenuesNetOfInterestExpense","Revenues"]},{"source":"release","labels":["Wealth","Wealth Management","Asset & Wealth","Private Bank","Global Wealth"]},{"source":"filing","labels":["Wealth"]}],"level":"holding","cadence":"quarterly","caveat":"Definitions vary: asset management is often combined, and private bank segments include spread income.","tier":"C","inHeadline":true,"headlineIn":["wealth"],"plain":"As reported in the earnings release or filing.","why":"Sizes the wealth business on the numbers its segment head is measured against."},{"id":"client_assets","label":"Client assets, reported","short":"Clnt assets","lens":"wealth","sublens":"segment","unit":"usd","direction":"higher","formula":"[Total client assets]","sources":[{"source":"release","labels":["Client assets","client assets","Assets under","AUM"]},{"source":"filing","labels":["Client assets","client assets","Assets under management"]}],"level":"holding","cadence":"quarterly","caveat":"Definitions vary: some totals add custody, brokerage and deposits, so compare only like-defined figures.","tier":"C","inHeadline":true,"headlineIn":["wealth"],"plain":"As reported in the earnings release or filing.","why":"Sets the scale comparison for wealth franchises, including broker-dealer assets the Call Report misses."},{"id":"aum","label":"Assets under management, reported","short":"AUM","lens":"wealth","sublens":"segment","unit":"usd","direction":"higher","formula":"[Assets under management]","sources":[{"source":"release","labels":["Assets under management","AUM","assets under management"]},{"source":"filing","labels":["Assets under management"]}],"level":"holding","cadence":"quarterly","caveat":"Scope varies: some banks include asset management and institutional mandates, others report wealth advisory only.","tier":"C","inHeadline":true,"headlineIn":["wealth"],"alsoIn":["strategy"],"plain":"As reported in the earnings release or filing.","why":"Sizes the fee-bearing asset base behind wealth and asset management revenue."},{"id":"net_flows","label":"Net new assets","short":"Net flows","lens":"wealth","sublens":"segment","unit":"usd","direction":"higher","formula":"[Net client flows]","sources":[{"source":"release","labels":["Net flows","net flows","Net new","net new","net inflows"]},{"source":"filing","labels":["net flows","Net flows"]}],"level":"holding","cadence":"quarterly","caveat":"Larger wealth houses only. Definitions differ on dividends, interest and acquired assets, and the dollar figure favors larger books.","tier":"C","inHeadline":true,"headlineIn":["wealth"],"plain":"As reported in the earnings release or filing.","why":"Tests organic growth with market moves removed."},{"id":"custody_hc","label":"AUC/A, reported","short":"AUC/A HC","lens":"wealth","sublens":"custody","unit":"usd","direction":"higher","formula":"[Assets under custody and administration]","sources":[{"source":"release","labels":["Assets under custody","Assets under custody and","AUC/A"]},{"source":"filing","labels":["Assets under custody"]}],"level":"holding","cadence":"quarterly","caveat":"Inclusion of assets under administration varies, so totals are not like for like across banks.","tier":"C","alsoIn":["payments"],"plain":"As reported in the earnings release or filing.","why":"Sets the scale comparison for BK, STT and NTRS, including non-bank entities."},{"id":"service_charges_share","label":"Service charges share of revenue","short":"Svc %","lens":"payments","sublens":"fees","unit":"pct","direction":"contextual","formula":"ISERCHGQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["ISERCHGQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Overdraft is mixed with commercial account analysis fees.","tier":"A","inHeadline":true,"headlineIn":["payments"],"alsoIn":["consumer"],"plain":"Quarterly service charges on deposit accounts over net interest income plus noninterest income.","why":"Sizes reliance on account fees, the line most exposed to overdraft policy and ECR moves."},{"id":"service_growth","label":"Service charges growth, TTM","short":"Svc gr","lens":"payments","sublens":"fees","unit":"pct","direction":"higher","formula":"(sum4(ISERCHGQ)/lag(sum4(ISERCHGQ),4)-1)*100","sources":[{"source":"fdic","fields":["ISERCHGQ"]}],"level":"bank","cadence":"quarterly","caveat":"A rising ECR lets clients pay with balances, cutting hard fees and lifting NIB. Mergers inflate growth.","tier":"A","inHeadline":true,"headlineIn":["payments"],"plain":"Trailing four-quarter service charges on deposit accounts over the same sum a year earlier, less one.","why":"Shows whether account fee income is compounding or just moving with the earnings credit rate."},{"id":"other_nonii_share","label":"Other nonint. income % of revenue","short":"Other %","lens":"payments","sublens":"fees","unit":"pct","direction":"contextual","formula":"IOTNIIQ/(NIMQ+NONIIQ)*100","sources":[{"source":"fdic","fields":["IOTNIIQ","NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Also holds BOLI, rent and one-offs. Interchange is not reliably split out, so check release labels before ranking.","tier":"A","inHeadline":true,"headlineIn":["payments"],"plain":"Quarterly other noninterest income over net interest income plus noninterest income.","why":"Closest bank-level Call Report proxy for interchange, merchant and card revenue."},{"id":"transaction_dep_growth","label":"Transaction deposit growth","short":"Txn gr","lens":"payments","sublens":"balances","unit":"pct","direction":"higher","formula":"(TRN/lag(TRN,4)-1)*100","sources":[{"source":"fdic","fields":["TRN"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth. A balance that more than doubles with no merger carries a dagger and no rank, because accounts usually moved between deposit types.","tier":"A","inHeadline":true,"headlineIn":["payments"],"plain":"Quarter-end transaction deposits over the balance a year earlier, less one.","why":"Tracks growth in the operating balances that anchor treasury relationships and low-cost funding."},{"id":"demand_share","label":"Demand share of domestic deposits","short":"DDA %","lens":"payments","sublens":"balances","unit":"pct","direction":"higher","formula":"DDT/DEPDOM*100","sources":[{"source":"fdic","fields":["DDT","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic offices only. Sweep programs move balances off the deposit line.","tier":"A","inHeadline":true,"headlineIn":["payments"],"plain":"Quarter-end demand deposits over deposits in domestic offices.","why":"Gauges operating account intensity across corporate and retail, and the NIB funding that comes with it."},{"id":"bank_deposits_share","label":"Correspondent deposits share","short":"Corresp %","lens":"payments","sublens":"balances","unit":"pct","direction":"contextual","formula":"(TRNCBO+NTRCOMOT+nz(DEPFBKF)+nz(DEPUSBKF))/DEP*100","sources":[{"source":"fdic","fields":["TRNCBO","NTRCOMOT","DEPFBKF","DEPUSBKF","DEP"]}],"level":"bank","cadence":"quarterly","caveat":"Foreign bank balances are captured in foreign offices only, so domestic-office balances from foreign banks are missed.","tier":"A","plain":"Deposits from commercial banks, other US institutions and foreign banks over total deposits.","why":"Sizes the correspondent and clearing franchise, and the flighty bank balances that come with it."},{"id":"cash_items","label":"Cash items in process to deposits","short":"Items","lens":"payments","sublens":"balances","unit":"bps","direction":"contextual","formula":"CHITEM/DEPDOM*10000","sources":[{"source":"fdic","fields":["CHITEM","DEP","DEPDOM"]}],"level":"bank","cadence":"quarterly","caveat":"Quarter-end spot: swings with the calendar day and falls with check usage.","tier":"A","plain":"Quarter-end cash items in process of collection in domestic offices over domestic deposits, in basis points.","why":"Rough marker of check clearing activity relative to the deposit base."},{"id":"large_acct_count","label":"Deposit accounts above $250k","short":"Large accts","lens":"payments","sublens":"balances","unit":"count","direction":"higher","formula":"DEPLGB","sources":[{"source":"fdic","fields":["DEPLGB"]}],"level":"bank","cadence":"quarterly","caveat":"Domestic offices only. Counts accounts, not relationships, and scales with bank size, so ranking tracks size.","tier":"A","inHeadline":true,"headlineIn":["payments"],"alsoIn":["commercial"],"plain":"Number of domestic deposit accounts above $250,000 at quarter-end.","why":"Counts corporate and institutional accounts, a proxy for commercial relationship reach."},{"id":"large_acct_growth","label":"Accounts above $250k growth","short":"Large gr","lens":"payments","sublens":"balances","unit":"pct","direction":"higher","formula":"(DEPLGB/lag(DEPLGB,4)-1)*100","sources":[{"source":"fdic","fields":["DEPLGB"]}],"level":"bank","cadence":"quarterly","caveat":"The $250k line is not indexed, so balance drift pushes retail accounts over it. Mergers inflate growth.","tier":"A","alsoIn":["commercial"],"plain":"Number of domestic deposit accounts above $250,000 over the count a year earlier, less one.","why":"Tracks whether the bank is adding large operating and institutional accounts."},{"id":"card_fees","label":"Card and payment fees, reported","short":"Card fees","lens":"payments","sublens":"segment","unit":"usd","direction":"higher","formula":"[Card income]","sources":[{"source":"release","labels":["Card income","Card fees","Card and","Interchange","Merchant","Payment services","Discount revenue"]},{"source":"filing","labels":["Card income","Interchange","Card and"]}],"level":"holding","cadence":"quarterly","caveat":"Some banks report net of rewards and partner payments, so net and gross figures do not rank cleanly.","tier":"C","inHeadline":true,"headlineIn":["payments"],"alsoIn":["consumer"],"plain":"As reported in the earnings release or filing.","why":"Sizes issuer and merchant fee income against peers."},{"id":"payments_rev","label":"Payments revenue, reported","short":"Payments","lens":"payments","sublens":"segment","unit":"usd","direction":"higher","formula":"[Payments revenue]","sources":[{"source":"xbrl","tags":["RevenuesNetOfInterestExpense","Revenues"]},{"source":"release","labels":["Payments","Global Payments","Treasury and Trade Solutions","TTS","Services"]},{"source":"filing","labels":["Payments"]}],"level":"holding","cadence":"quarterly","caveat":"Few banks report this line, and scope differs: Citi Services also includes securities services.","tier":"C","alsoIn":["markets"],"plain":"As reported in the earnings release or filing.","why":"Benchmarks transaction banking scale among the few banks that report it as a separate line."},{"id":"payments_commentary","label":"Payments initiative mentions","short":"Pay mentions","lens":"payments","sublens":"guidance","unit":"count","direction":"contextual","formula":"[Count of FedNow, RTP, stablecoin, tokenised deposit mentions]","sources":[{"source":"transcript","labels":["FedNow","RTP","real-time payments","stablecoin","tokenized deposit"]}],"level":"holding","cadence":"quarterly","caveat":"Keyword count: frequency, not commitment. Longer calls score higher.","tier":"C","plain":"Count of FedNow, RTP, real-time payments, stablecoin and tokenized deposit mentions in the earnings call transcript.","why":"Shows which peers are putting real-time rails and digital money in front of investors."},{"id":"fte","label":"Full-time equivalent employees","short":"FTE","lens":"ops","sublens":"workforce","unit":"count","direction":"neutral","formula":"NUMEMP","sources":[{"source":"fdic","fields":["NUMEMP"]},{"source":"filing","labels":["employees","headcount","Employees"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charter only: excludes holding-company, affiliate-employed and outsourced staff.","tier":"A","inHeadline":true,"headlineIn":["ops"],"alsoIn":["strategy"],"plain":"Full-time equivalent employees on the bank's payroll at quarter end.","why":"Sets the scale of the workforce and the denominator for every per-FTE comparison."},{"id":"fte_growth","label":"FTE growth, year on year","short":"FTE gr","lens":"ops","sublens":"workforce","unit":"pct","direction":"contextual","formula":"(NUMEMP/lag(NUMEMP,4)-1)*100","sources":[{"source":"fdic","fields":["NUMEMP"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth: compare pro forma before ranking.","tier":"A","plain":"Quarter-end FTE over FTE four quarters earlier, less one.","why":"Shows whether headcount is growing faster or slower than revenue, and who is already cutting."},{"id":"rev_per_fte","label":"Revenue per FTE","short":"Rev/FTE","lens":"ops","sublens":"productivity","unit":"usd","direction":"higher","formula":"sum4((NIMQ+NONIIQ))*1000/NUMEMP","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","NUMEMP"]}],"level":"bank","cadence":"quarterly","caveat":"Compare within a business model: dealer, wealth and card charters sit far apart. Staff in affiliates and recent merger closes distort it.","tier":"A","inHeadline":true,"headlineIn":["ops"],"alsoIn":["strategy","cfo"],"plain":"Trailing four quarters of net interest income plus noninterest income, over quarter-end FTE.","why":"First-line productivity comparison in any headcount or efficiency review."},{"id":"ppnr_per_fte","label":"PPNR per FTE","short":"PPNR/FTE","lens":"ops","sublens":"productivity","unit":"usd","direction":"higher","formula":"sum4((NIMQ+NONIIQ-NONIXQ))*1000/NUMEMP","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","NONIXQ","NUMEMP"]}],"level":"bank","cadence":"quarterly","caveat":"Compare within a business model: dealer, wealth and card charters sit far apart. Staff in affiliates and recent merger closes distort it.","tier":"A","plain":"Trailing four quarters of revenue less noninterest expense, over quarter-end FTE.","why":"Shows pre-provision earnings per head after the cost of carrying that head."},{"id":"comp_per_fte","label":"Compensation per FTE","short":"Comp/FTE","lens":"ops","sublens":"productivity","unit":"usd","direction":"contextual","formula":"sum4(ESALQ)*1000/NUMEMP","sources":[{"source":"fdic","fields":["ESALQ","NUMEMP"]}],"level":"bank","cadence":"quarterly","caveat":"Wealth advisers, traders and high-cost metros push it up; incentive accruals swing it year to year.","tier":"A","inHeadline":true,"headlineIn":["ops"],"plain":"Trailing four quarters of salaries and benefits, over quarter-end FTE.","why":"Tests whether a cost gap to peers comes from pay per head or from headcount."},{"id":"assets_per_fte","label":"Assets per FTE","short":"Assets/FTE","lens":"ops","sublens":"productivity","unit":"usd","direction":"higher","formula":"ASSET*1000/NUMEMP","sources":[{"source":"fdic","fields":["ASSET","NUMEMP"]}],"level":"bank","cadence":"quarterly","caveat":"Dealer and custody balance sheets dominate the top of the range; compare within a business model.","tier":"A","plain":"Quarter-end total assets over quarter-end FTE.","why":"Shows how much balance sheet each employee carries, the scale side of operating leverage."},{"id":"loans_per_fte","label":"Loans per FTE","short":"Loans/FTE","lens":"ops","sublens":"productivity","unit":"usd","direction":"higher","formula":"LNLSGR*1000/NUMEMP","sources":[{"source":"fdic","fields":["LNLSGR","NUMEMP"]}],"level":"bank","cadence":"quarterly","caveat":"Product mix drives the level; compare inside a business-model cohort.","tier":"A","plain":"Quarter-end gross loans and leases over quarter-end FTE.","why":"Tests lending capacity per head against peers with a similar loan mix."},{"id":"deposits_per_fte","label":"Deposits per FTE","short":"Dep/FTE","lens":"ops","sublens":"productivity","unit":"usd","direction":"higher","formula":"DEP*1000/NUMEMP","sources":[{"source":"fdic","fields":["DEP","NUMEMP"]}],"level":"bank","cadence":"quarterly","caveat":"Product mix drives the level; compare inside a business-model cohort.","tier":"A","plain":"Quarter-end total deposits over quarter-end FTE.","why":"Tests deposit-gathering capacity per head against peers with a similar funding model."},{"id":"branches","label":"Domestic branches and offices","short":"Branches","lens":"ops","sublens":"network","unit":"count","direction":"neutral","formula":"OFFUSOA","sources":[{"source":"fdic","fields":["OFFUSOA"]}],"level":"bank","cadence":"quarterly","caveat":"Counts every domestic office, including non-branch sites, so a few banks read high against a pure branch count.","tier":"A","inHeadline":true,"headlineIn":["ops"],"alsoIn":["consumer"],"plain":"Domestic offices at quarter end, including headquarters.","why":"Baseline for network size and every per-branch comparison."},{"id":"branch_growth","label":"Branch change, year on year","short":"Branch chg","lens":"ops","sublens":"network","unit":"pct","direction":"contextual","formula":"(OFFUSOA/lag(OFFUSOA,4)-1)*100","sources":[{"source":"fdic","fields":["OFFUSOA"]}],"level":"bank","cadence":"quarterly","caveat":"Mergers inflate growth: compare pro forma before ranking.","tier":"A","alsoIn":["consumer"],"plain":"Quarter-end US offices over the count four quarters earlier, less one.","why":"Shows who is pruning the network and who is still building it."},{"id":"deposits_per_branch","label":"Domestic deposits per branch","short":"Dep/Branch","lens":"ops","sublens":"network","unit":"usd","direction":"higher","formula":"DEPDOM*1000/OFFUSOA","sources":[{"source":"fdic","fields":["DEPDOM","OFFUSOA"]}],"level":"bank","cadence":"quarterly","caveat":"National corporate and custody deposits booked at head office inflate it: use the SOD median for a cleaner retail read.","tier":"A","inHeadline":true,"headlineIn":["ops"],"alsoIn":["consumer"],"plain":"Quarter-end domestic deposits over quarter-end US offices.","why":"The branch productivity number every retail head knows."},{"id":"branch_dep_sod_median","label":"Median deposits per branch (SOD)","short":"Med dep/br","lens":"ops","sublens":"network","unit":"usd","direction":"higher","formula":"median(DEPSUMBR)*1000","sources":[{"source":"fdic","fields":["SOD:DEPSUMBR","SOD:BRNUM"]}],"level":"bank","cadence":"annual","caveat":"June 30 survey, so it lags the quarterly figures by up to a year.","tier":"A","alsoIn":["consumer"],"plain":"Median deposits across the bank's offices in the annual FDIC Summary of Deposits.","carry":8,"why":"Gives the typical branch's deposit book, free of head-office booking."},{"id":"loans_per_branch","label":"Loans per branch","short":"Loans/Br","lens":"ops","sublens":"network","unit":"usd","direction":"higher","formula":"(LNLSGR-nz(LNLSFOR))*1000/OFFUSOA","sources":[{"source":"fdic","fields":["LNLSGR","OFFUSOA","LNLSFOR"]}],"level":"bank","cadence":"quarterly","caveat":"Most loans are not originated in branches: national and corporate lending inflates it.","tier":"A","plain":"Quarter-end domestic-office loans and leases over quarter-end US offices.","why":"Shows loan book carried per branch, mainly useful for retail and community lenders."},{"id":"rev_per_branch","label":"Revenue per branch","short":"Rev/Branch","lens":"ops","sublens":"network","unit":"usd","direction":"higher","formula":"sum4((NIMQ+NONIIQ))*1000/OFFUSOA","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ","OFFUSOA"]}],"level":"bank","cadence":"quarterly","caveat":"Counts all bank revenue, including corporate, markets and foreign. Read it only at retail-heavy banks.","tier":"A","plain":"Trailing four quarters of net interest income plus noninterest income, over quarter-end US offices.","why":"Sizes revenue carried per location when judging network scale."},{"id":"fte_per_branch","label":"FTE per branch","short":"FTE/Branch","lens":"ops","sublens":"network","unit":"x","direction":"contextual","formula":"NUMEMP/OFFUSOA","sources":[{"source":"fdic","fields":["NUMEMP","OFFUSOA"]}],"level":"bank","cadence":"quarterly","caveat":"All staff are in the numerator, so head-office and non-retail staff drive the ranking more than branch staffing.","tier":"A","plain":"Quarter-end FTE over quarter-end US offices.","why":"Tests staffing intensity, though only among banks with similar head-office loads."},{"id":"occupancy_per_branch","label":"Premises expense per branch","short":"Occ/Branch","lens":"ops","sublens":"network","unit":"usd","direction":"lower","formula":"sum4(EPREMAGQ)*1000/OFFUSOA","sources":[{"source":"fdic","fields":["EPREMAGQ","OFFUSOA"]}],"level":"bank","cadence":"quarterly","caveat":"Includes head-office premises and technology equipment, so it overstates per-branch cost.","tier":"A","plain":"Trailing four quarters of premises and equipment expense, over quarter-end US offices.","why":"Sizes the cost of running a location when weighing closures and consolidation."},{"id":"occupancy_assets","label":"Premises expense to assets","short":"Occ/A","lens":"ops","sublens":"cost","unit":"bps","direction":"lower","formula":"EPREMAGQ*4/ASSET2*10000","sources":[{"source":"fdic","fields":["EPREMAGQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"Includes head-office premises and technology equipment.","tier":"A","plain":"Quarterly premises and equipment expense, annualized, over average assets, in basis points.","why":"Sizes footprint cost against balance sheet scale."},{"id":"premises_assets","label":"Premises and fixed assets to assets","short":"PP&E","lens":"ops","sublens":"cost","unit":"pct","direction":"lower","formula":"BKPREM/ASSET*100","sources":[{"source":"fdic","fields":["BKPREM","ASSET"]}],"level":"bank","cadence":"quarterly","caveat":"Includes lease right-of-use assets, so a high reading does not by itself mean owned property.","tier":"A","plain":"Quarter-end premises and fixed assets over quarter-end total assets.","why":"Shows how much of the balance sheet is tied up in physical footprint."},{"id":"nonix_rwa","label":"Noninterest expense to RWA","short":"Exp/RWA","lens":"ops","sublens":"cost","unit":"pct","direction":"lower","formula":"NONIXQ*4/avg(RWAJ,2)*100","sources":[{"source":"fdic","fields":["NONIXQ","RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Fee businesses carry cost with little RWA, so they rank poorly by construction.","tier":"A","plain":"Quarterly noninterest expense, annualized, over two-point average RWA.","why":"Compares the cost base with the risk it supports, a useful check beside the efficiency ratio."},{"id":"tech_expense_tag","label":"Tech and comms expense, holding","short":"Tech exp","lens":"ops","sublens":"technology","unit":"usd","direction":"contextual","formula":"sumnz({CommunicationsAndInformationTechnology},{InformationTechnologyAndDataProcessing})","sources":[{"source":"xbrl","tags":["CommunicationsAndInformationTechnology","InformationTechnologyAndDataProcessing"]}],"level":"holding","cadence":"quarterly","caveat":"Excludes technology staff and depreciation, so it understates total spend.","tier":"B","plain":"Communications and technology expense plus IT and data processing expense, as tagged in filings.","why":"Gives the income-statement technology line where it is tagged in structured form."},{"id":"tech_expense_ratio","label":"Technology expense to revenue","short":"Tech %","lens":"ops","sublens":"technology","unit":"pct","direction":"contextual","formula":"sumnz({CommunicationsAndInformationTechnology},{InformationTechnologyAndDataProcessing})/({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements}))*100","sources":[{"source":"xbrl","tags":["CommunicationsAndInformationTechnology","InformationTechnologyAndDataProcessing","InterestIncomeExpenseNet","NoninterestIncome"]}],"level":"holding","cadence":"quarterly","caveat":"Excludes technology staff and depreciation, so it understates total spend.","tier":"B","inHeadline":true,"headlineIn":["ops"],"plain":"Tagged communications, technology and data processing expense over net interest income plus noninterest income.","why":"Puts tagged technology expense on a scale-neutral basis for peer comparison."},{"id":"professional_fees_ratio","label":"Professional fees to revenue","short":"Prof fees","lens":"ops","sublens":"cost","unit":"pct","direction":"lower","formula":"{ProfessionalFees}/({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements}))*100","sources":[{"source":"xbrl","tags":["ProfessionalFees","InterestIncomeExpenseNet","NoninterestIncome"]}],"level":"holding","cadence":"quarterly","caveat":"Legal and consulting may be split out or grouped differently by bank.","tier":"B","plain":"Professional fees over net interest income plus noninterest income.","why":"Proxy for consultant and remediation spend, which often flags a regulatory or transformation program."},{"id":"occupancy_hc","label":"Occupancy to revenue, holding","short":"Occ HC","lens":"ops","sublens":"cost","unit":"pct","direction":"lower","formula":"{OccupancyNet}/({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements}))*100","sources":[{"source":"xbrl","tags":["OccupancyNet","InterestIncomeExpenseNet","NoninterestIncome"]}],"level":"holding","cadence":"quarterly","caveat":"Some banks combine equipment with occupancy, which raises their reading.","tier":"B","plain":"Occupancy expense over net interest income plus noninterest income, at the holding company.","why":"Sizes group footprint cost against revenue."},{"id":"headcount_hc","label":"Employees, holding reported","short":"HC emp","lens":"ops","sublens":"workforce","unit":"count","direction":"neutral","formula":"[Total employees]","sources":[{"source":"release","labels":["Employees","employees","Headcount","headcount","full-time equivalent"]},{"source":"filing","labels":["employees","Human Capital","full-time equivalent"]}],"level":"holding","cadence":"quarterly","caveat":"Period-end and average figures, and employees and FTE, are mixed across banks. Every 10-K has it; only some releases do.","tier":"C","inHeadline":true,"headlineIn":["ops"],"plain":"As reported in the earnings release or annual 10-K.","carry":3,"why":"Gives full group headcount for per-person comparison across charters and affiliates."},{"id":"rev_per_fte_hc","label":"Revenue per employee, holding","short":"Rev/Emp HC","lens":"ops","sublens":"productivity","unit":"usd","direction":"higher","formula":"sum4({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements}))/[Total employees]","sources":[{"source":"release","labels":["Employees","Headcount"]},{"source":"xbrl","tags":["InterestIncomeExpenseNet","NoninterestIncome"]}],"level":"holding","cadence":"quarterly","caveat":"Headcount is the latest figure within three quarters, since many banks report it only in the 10-K. Period-end and average headcount are mixed.","tier":"C","inHeadline":true,"headlineIn":["ops"],"plain":"Net interest income plus noninterest income over four quarters, over the latest reported holding-company employees.","why":"Removes the charter-level distortion for dealers and diversified groups."},{"id":"ai_commentary","label":"AI mentions in prepared remarks","short":"AI mentions","lens":"ops","sublens":"technology","unit":"count","direction":"contextual","formula":"[Count of AI mentions in prepared remarks]","sources":[{"source":"transcript","labels":["artificial intelligence","AI","generative","agentic"]}],"level":"holding","cadence":"quarterly","caveat":"Keyword count only: measures talk, not delivered savings.","tier":"C","plain":"Count of AI mentions in prepared remarks on the earnings call.","why":"Tells a COO what peers are claiming on AI."},{"id":"complaints_qtr","label":"CFPB complaints in the quarter","short":"Complaints","lens":"compliance","sublens":"complaints","unit":"count","direction":"lower","formula":"cfpb.count(company,quarter)","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]}],"level":"holding","cadence":"quarterly","caveat":"Mapped by CFPB company name. Credit-repair filings inflate credit reporting volume, so large furnishers rank worse.","tier":"B","inHeadline":true,"headlineIn":["compliance"],"plain":"CFPB complaints received in the quarter, summed across the group's company names.","why":"Public quarterly read on customer harm, available before any supervisory finding."},{"id":"complaints_per_bn","label":"Complaints per $bn of domestic deposits","short":"Cmpl/$bn","lens":"compliance","sublens":"complaints","unit":"rate","direction":"lower","formula":"cfpb.count(company,quarter)/(DEPDOM/1000000)","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]},{"source":"fdic","fields":["DEPDOM"]}],"level":"holding","cadence":"quarterly","caveat":"Card issuers draw far more complaints per deposit dollar, so compare inside a cohort.","tier":"B","inHeadline":true,"headlineIn":["compliance"],"plain":"Quarterly CFPB complaints over domestic deposits in $bn, with deposits summed across the group's charters.","why":"Scales complaint volume so banks of different size can be ranked."},{"id":"complaints_per_100k","label":"Complaints per 100k accounts","short":"Cmpl/100k","lens":"compliance","sublens":"complaints","unit":"rate","direction":"lower","formula":"cfpb.count(company,quarter)/((DEPSMB+DEPLGB)/100000)","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]},{"source":"fdic","fields":["DEPSMB","DEPLGB"]}],"level":"holding","cadence":"quarterly","caveat":"Card-only and loan-only customers count in complaints but not in accounts, so card-heavy banks rank worse.","tier":"B","plain":"Quarterly CFPB complaints per 100,000 deposit accounts, with accounts summed across the group's charters.","why":"Rates complaints against customer relationships, not balances, which removes the large-depositor skew."},{"id":"complaints_growth","label":"Complaint growth, year on year","short":"Cmpl gr","lens":"compliance","sublens":"complaints","unit":"pct","direction":"lower","formula":"(cfpb.count(company,quarter)/cfpb.count(company,quarter-4)-1)*100","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]}],"level":"holding","cadence":"quarterly","caveat":"Mergers and brand consolidation break the series. Blank below 20 complaints in either quarter.","tier":"B","inHeadline":true,"headlineIn":["compliance"],"plain":"CFPB complaints in the quarter over the same quarter a year earlier, less one.","why":"Shows whether customer harm is building or fading at a given bank."},{"id":"complaints_timely","label":"Timely response rate","short":"Timely","lens":"compliance","sublens":"complaints","unit":"pct","direction":"higher","formula":"cfpb.timely(Yes)/(cfpb.timely(Yes)+cfpb.timely(No))*100","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]}],"level":"holding","cadence":"quarterly","caveat":"Most large banks sit near 99%, so rankings turn on tenths of a point. Read outliers, not order.","tier":"B","inHeadline":true,"headlineIn":["compliance"],"plain":"Complaints answered on time, over complaints with a recorded timely or untimely response.","why":"Tests complaint-handling discipline, which examiners and the CFPB read directly."},{"id":"complaints_relief","label":"Complaints closed with relief","short":"Relief","lens":"compliance","sublens":"complaints","unit":"pct","direction":"lower","formula":"cfpb.response(Closed with monetary relief + non-monetary relief)/(cfpb.count-cfpb.response(In progress))*100","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]}],"level":"holding","cadence":"quarterly","caveat":"Response categories are company-chosen, so a generous remediation policy reads as a worse rate.","tier":"B","inHeadline":true,"headlineIn":["compliance"],"plain":"Complaints closed with monetary or non-monetary relief, over complaints closed. Open complaints excluded.","why":"Shows how often the bank changed an outcome, a stronger fault signal than raw volume."},{"id":"complaints_mortgage","label":"Mortgage complaint share","short":"Cmpl mtg","lens":"compliance","sublens":"complaints","unit":"pct","direction":"contextual","formula":"cfpb.product(Mortgage)/cfpb.count*100","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]}],"level":"holding","cadence":"quarterly","caveat":"Product mix drives the level; compare inside a business-model cohort.","tier":"B","alsoIn":["consumer"],"plain":"Mortgage complaints as a share of all CFPB complaints in the quarter.","why":"Sizes servicing and origination friction within the complaint book."},{"id":"complaints_card","label":"Card complaint share","short":"Cmpl card","lens":"compliance","sublens":"complaints","unit":"pct","direction":"contextual","formula":"cfpb.product(Credit card)/cfpb.count*100","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]}],"level":"holding","cadence":"quarterly","caveat":"Product mix drives the level; compare inside a business-model cohort.","tier":"B","alsoIn":["consumer"],"plain":"Credit card complaints as a share of all CFPB complaints in the quarter.","why":"Sizes billing, dispute and fee friction within the complaint book."},{"id":"complaints_checking","label":"Checking or savings complaint share","short":"Cmpl chk","lens":"compliance","sublens":"complaints","unit":"pct","direction":"contextual","formula":"cfpb.product(Checking or savings account)/cfpb.count*100","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]}],"level":"holding","cadence":"quarterly","caveat":"Product mix drives the level; compare inside a business-model cohort.","tier":"B","alsoIn":["consumer","payments"],"plain":"Checking and savings complaints as a share of all CFPB complaints in the quarter.","why":"Barometer for Zelle, fraud handling and account-closure practice."},{"id":"complaints_credit_rep","label":"Credit reporting complaint share","short":"Cmpl rep","lens":"compliance","sublens":"complaints","unit":"pct","direction":"contextual","formula":"cfpb.product(Credit reporting or other personal consumer reports)/cfpb.count*100","sources":[{"source":"cfpb","fields":["hits.total","aggregations.product","aggregations.timely","aggregations.company_response","date_received_min","date_received_max","company"]}],"level":"holding","cadence":"quarterly","caveat":"Repair-firm bulk filings drive the level, and product mix moves the share.","tier":"B","plain":"Credit reporting complaints as a share of all CFPB complaints in the quarter.","why":"Points to furnisher data quality and FCRA dispute exposure."},{"id":"enforcement_open","label":"Open OCC and Fed formal actions","short":"Enforcement","lens":"compliance","sublens":"enforcement","unit":"count","direction":"lower","formula":"count(open actions across OCC and Fed)","sources":[{"source":"occ","note":"OCC enforcement action search export"},{"source":"fed","labels":["Enforcement actions","Written Agreement","Cease and Desist","Consent Order","Civil Money Penalty"]},{"source":"filing","labels":["consent order","Consent Order","regulatory matters"]}],"level":"holding","cadence":"quarterly","caveat":"Truist, First Citizens, Columbia and Prosperity answer to the FDIC, so theirs read FDIC and CFPB orders searched by hand. CFPB orders are not counted at other banks. Counts orders, not severity.","tier":"C","inHeadline":true,"headlineIn":["compliance"],"plain":"Open OCC and Fed orders at period end, counting each docket once. Penalty-only actions excluded.","why":"The public read on supervisory standing, and a gating item for M&A and new activities."},{"id":"enforcement_penalties","label":"Civil money penalties, 3 years","short":"Penalties","lens":"compliance","sublens":"enforcement","unit":"usd","direction":"lower","formula":"sum(OCC and Fed penalty amounts, 12 quarters)","sources":[{"source":"occ","note":"OCC enforcement action search export"},{"source":"fed","labels":["Civil Money Penalty","Consent Order"]},{"source":"filing","labels":["civil money penalty","civil money penalties"]}],"level":"holding","cadence":"quarterly","caveat":"Excludes DOJ and state penalties, and CFPB penalties outside the four FDIC-supervised banks, so a global settlement is understated. Amounts not found count as zero.","tier":"C","inHeadline":true,"headlineIn":["compliance"],"plain":"Sum of OCC and Fed penalty amounts on actions started in the 12 quarters to period end.","why":"Sizes the money cost of supervisory failures over a full exam cycle."},{"id":"legal_rpl","label":"Reasonably possible legal losses","short":"RPL","lens":"compliance","sublens":"legal","unit":"usd","direction":"lower","formula":"[Reasonably possible losses above accruals]","sources":[{"source":"filing","labels":["reasonably possible","Reasonably possible"]},{"source":"xbrl","tags":["LossContingencyRangeOfPossibleLossPortionNotAccrued","LossContingencyEstimateOfPossibleLoss"]}],"level":"holding","cadence":"quarterly","caveat":"Not all banks give a number, and the scope of matters varies, so compare only where disclosed.","tier":"C","inHeadline":true,"headlineIn":["compliance"],"plain":"As reported in the filing: reasonably possible legal losses above amounts accrued.","why":"The disclosed legal tail beyond reserves, sized before any settlement."},{"id":"legal_rpl_cet1","label":"Legal RPL to CET1","short":"RPL/CET1","lens":"compliance","sublens":"legal","unit":"pct","direction":"lower","formula":"[Reasonably possible losses above accruals]/[CET1 capital]*100","sources":[{"source":"filing","labels":["reasonably possible"]},{"source":"release","labels":["CET1 capital","Common equity tier 1 capital"]},{"source":"xbrl","tags":["LossContingencyRangeOfPossibleLossPortionNotAccrued","CommonEquityTierOneCapital"]}],"level":"holding","cadence":"quarterly","caveat":"Not all banks give a number, and the scope of matters varies, so compare only where disclosed.","tier":"C","plain":"Reasonably possible legal losses above accruals, over CET1 capital.","why":"Sizes the legal tail against loss-absorbing capital."},{"id":"cra_rating","label":"CRA rating","short":"CRA","lens":"compliance","sublens":"community","unit":"rating","direction":"contextual","formula":"[CRA rating]","sources":[{"source":"ffiec","note":"FFIEC CRA ratings file"}],"level":"bank","cadence":"event","caveat":"Moves only on exam cycles, and large banks cluster at Satisfactory or Outstanding, so dispersion is thin. A coded rating, not a count.","tier":"C","plain":"Latest CRA rating in the FFIEC file, of the group's largest charter: 1 Outstanding, 2 Satisfactory, 3 Needs to Improve, 4 Substantial Noncompliance. Evaluations publish well after their date.","why":"A weak rating can delay or block merger and branch applications."},{"id":"yield_ci","label":"C&I loan yield (domestic)","short":"C&I yield","lens":"cfo","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(4012))*4/cx(3387)*100","sources":[{"source":"ffiec","fields":["3387","4012"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Domestic offices only at 031 filers.","tier":"A","alsoIn":["commercial"],"plain":"Quarterly C&I interest and fees, annualized, over the quarter's average C&I loans.","why":"Tells a commercial head whether pricing or mix drives spread, which FDIC totals cannot show."},{"id":"yield_resi","label":"1-4 family loan yield","short":"Resi yield","lens":"cfo","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(4435))*4/cx(3465)*100","sources":[{"source":"ffiec","fields":["3465","4435"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Includes HELOC.","tier":"A","alsoIn":["consumer","cio"],"plain":"Quarterly 1-4 family loan interest and fees, annualized, over the quarter's average 1-4 family loans.","why":"Back-book mortgage rate shows how much fixed-rate drag remains."},{"id":"yield_ore","label":"Other RE loan yield (CRE proxy)","short":"Oth RE yld","lens":"cfo","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(4436))*4/cx(3466)*100","sources":[{"source":"ffiec","fields":["3466","4436"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Mixes construction, multifamily, nonres and farmland; construction floats, others do not.","tier":"A","alsoIn":["commercial"],"plain":"Quarterly other real estate loan interest and fees, annualized, over the quarter's average balance.","why":"Closest public number for CRE pricing across banks."},{"id":"yield_card","label":"Credit card yield","short":"Card yield","lens":"consumer","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(B485))*4/cx(B561)*100","sources":[{"source":"ffiec","fields":["B485","B561"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Excludes interchange and rewards. The quarter-average denominator understates yield when balances build through the year, mainly at Q4.","tier":"A","alsoIn":["cfo"],"plain":"Quarterly credit card interest and fees, annualized, over the quarter's average card loans.","why":"Gross pricing on the card book, and the card effect to strip out when comparing NIM."},{"id":"yield_card_risk_adj","label":"Card yield less card NCO","short":"Card RAY","lens":"consumer","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(B485))*4/cx(B561)*100-NCOCARD","sources":[{"source":"ffiec","fields":["B485","B561"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Before funding cost, rewards and operating expense.","tier":"A","alsoIn":["credit"],"plain":"Quarterly credit card yield less annualized quarterly card NCOs over average card loans.","why":"How issuers compare books: pricing after credit cost."},{"id":"yield_othcons","label":"Other consumer loan yield","short":"Oth cons yd","lens":"consumer","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(B486))*4/cx(B562)*100","sources":[{"source":"ffiec","fields":["B486","B562"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Auto and unsecured are combined, so product mix drives the ranking.","tier":"A","plain":"Quarterly other consumer loan interest, annualized, over the quarter's average other consumer loans.","why":"Pricing on the auto and personal loan book."},{"id":"loan_yield_ex_card","label":"Loan yield excluding card","short":"Yld x-card","lens":"cfo","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(4010)-NZ(\"B485\"))*4/(cx(3360)+NZ(\"3360F\")-NZ(\"B561\"))*100","sources":[{"source":"ffiec","fields":["3360","4010"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Loan totals include foreign offices where reported, while the card deduction is domestic only.","tier":"A","alsoIn":["treasury","credit"],"plain":"Quarterly loan interest and fees less card, annualized, over the quarter's average loans less card.","why":"Lets universal banks compare loan pricing with commercial banks without card distortion."},{"id":"yield_ust","label":"Treasury and agency debt yield","short":"UST yield","lens":"cio","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(B488))*4/cx(B558)*100","sources":[{"source":"ffiec","fields":["B488","B558"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Not FTE. Interest and balance cover the same quarter, so it ties to a quarterly yield.","tier":"A","plain":"Quarterly Treasury and agency interest, annualized, over the quarter's average balance.","why":"Isolates rate-only book returns from MBS and credit."},{"id":"yield_mbs","label":"MBS yield","short":"MBS yield","lens":"cio","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(B489))*4/cx(B559)*100","sources":[{"source":"ffiec","fields":["B489","B559"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Not FTE. Interest and balance cover the same quarter, so it ties to a quarterly yield.","tier":"A","alsoIn":["treasury"],"plain":"Quarterly MBS interest, annualized, over the quarter's average balance.","why":"Back-book MBS yield anchors reinvestment arithmetic."},{"id":"yield_other_sec","label":"Other securities yield","short":"Oth sec yld","lens":"cio","sublens":"yield_by_class","unit":"pct","direction":"higher","formula":"ytdq(cx(4060))*4/cx(B560)*100","sources":[{"source":"ffiec","fields":["4060","B560"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Not FTE: muni-heavy books such as Frost look low.","tier":"A","plain":"Quarterly income on all other securities, annualized, over the quarter's average balance.","why":"Muni and corporate carry."},{"id":"cost_ib_txn","label":"IB transaction account rate","short":"IB txn rate","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"ytdq(cx(4508))*4/cx(3485)*100","sources":[{"source":"ffiec","fields":["3485","4508"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Domestic offices.","tier":"A","plain":"Quarterly interest on transaction accounts, annualized, over the quarter's average IB transaction balances.","why":"The paying rate on NOW and interest checking, free of noninterest demand."},{"id":"cost_small_time","label":"Time deposits up to $250k rate","short":"Small CD","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"ytdq(cx(HK03))*4/cx(HK16)*100","sources":[{"source":"ffiec","fields":["HK03","HK16"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Domestic offices.","tier":"A","alsoIn":["consumer"],"plain":"Quarterly interest on time deposits of $250k or less, annualized, over the quarter's average balance.","why":"The retail CD rate the bank is paying."},{"id":"cost_large_time","label":"Time deposits above $250k rate","short":"Large CD","lens":"treasury","sublens":"deposit_cost","unit":"pct","direction":"lower","formula":"ytdq(cx(HK04))*4/cx(HK17)*100","sources":[{"source":"ffiec","fields":["HK04","HK17"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Domestic offices.","tier":"A","plain":"Quarterly interest on time deposits over $250k, annualized, over the quarter's average balance.","why":"Marginal wholesale-like deposit rate."},{"id":"cost_repo_avg","label":"Repo cost on quarter average","short":"Repo avg","lens":"treasury","sublens":"wholesale_cost","unit":"pct","direction":"lower","formula":"ytdq(cx(4180))*4/cx(3353)*100","sources":[{"source":"ffiec","fields":["3353","4180"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Discrete-quarter interest over the quarter-average balance, so it avoids the quarter-end window dressing that distorts repo cost at dealers.","tier":"A","plain":"Quarterly fed funds and repo interest, annualized, over the quarter's average balance.","why":"Removes the quarter-end distortion in the cost of fed funds and repo."},{"id":"cost_borrow_avg","label":"Other borrowings cost, quarter avg","short":"Borrow avg","lens":"treasury","sublens":"wholesale_cost","unit":"pct","direction":"lower","formula":"ytdq(cx(4185))*4/cx(3355)*100","sources":[{"source":"ffiec","fields":["3355","4185"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Numerator includes trading liability interest, which inflates dealers. Subordinated debt is excluded on both sides.","tier":"A","plain":"Quarterly interest on trading liabilities and other borrowed money, annualized, over the quarter's average borrowings.","why":"Removes the quarter-end distortion in the cost of other borrowings."},{"id":"acl_constr","label":"ACL to loans: construction","short":"ACL con","lens":"credit","sublens":"acl_by_category","unit":"pct","direction":"contextual","formula":"cx(JJ12)/cx(JJ04)*100","sources":[{"source":"ffiec","fields":["JJ04","JJ12"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Amortized cost of loans held for investment, so balances differ from the loan schedule.","tier":"A","alsoIn":["commercial"],"plain":"ACL on construction loans over their amortized cost, held for investment, from Call Report RI-C.","why":"Reserve stance on the most cyclical real estate exposure."},{"id":"acl_cre","label":"ACL to loans: commercial real estate","short":"ACL CRE","lens":"credit","sublens":"acl_by_category","unit":"pct","direction":"contextual","formula":"cx(JJ13)/cx(JJ05)*100","sources":[{"source":"ffiec","fields":["JJ05","JJ13"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Excludes construction. No office split.","tier":"A","alsoIn":["commercial","capital"],"plain":"ACL on commercial real estate loans over their amortized cost, held for investment, from Call Report RI-C.","why":"Peer comparison every CRO wants on CRE reserves, public and uniform at bank level."},{"id":"acl_resi","label":"ACL to loans: residential","short":"ACL resi","lens":"credit","sublens":"acl_by_category","unit":"pct","direction":"contextual","formula":"cx(JJ14)/cx(JJ06)*100","sources":[{"source":"ffiec","fields":["JJ06","JJ14"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Long life under CECL lifts it despite low losses.","tier":"A","alsoIn":["consumer"],"plain":"ACL on residential loans over their amortized cost, held for investment, from Call Report RI-C.","why":"Reserve stance on mortgage and HELOC."},{"id":"acl_commercial","label":"ACL to loans: commercial","short":"ACL comm","lens":"credit","sublens":"acl_by_category","unit":"pct","direction":"contextual","formula":"cx(JJ15)/cx(JJ07)*100","sources":[{"source":"ffiec","fields":["JJ07","JJ15"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"The RI-C commercial bucket is broad: it includes NDFI and other loans.","tier":"A","alsoIn":["commercial"],"plain":"ACL on commercial loans over their amortized cost, held for investment, from Call Report RI-C.","why":"Mix-neutral commercial reserve comparison."},{"id":"acl_card","label":"ACL to loans: credit card","short":"ACL card","lens":"credit","sublens":"acl_by_category","unit":"pct","direction":"contextual","formula":"cx(JJ16)/cx(JJ08)*100","sources":[{"source":"ffiec","fields":["JJ08","JJ16"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"The RI-C balance also covers commercial card (JPM $249.9bn versus $216.2bn). Partner-sharing and small-business mix move the ratio.","tier":"A","alsoIn":["consumer"],"plain":"ACL on card loans over their amortized cost, held for investment, from Call Report RI-C.","why":"Issuer reserve stance, the largest ACL line at card banks."},{"id":"acl_other_cons","label":"ACL to loans: other consumer","short":"ACL cons","lens":"credit","sublens":"acl_by_category","unit":"pct","direction":"contextual","formula":"cx(JJ17)/cx(JJ09)*100","sources":[{"source":"ffiec","fields":["JJ09","JJ17"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Auto and personal are combined, so auto share sets the level.","tier":"A","alsoIn":["consumer"],"plain":"ACL on other consumer loans over their amortized cost, held for investment, from Call Report RI-C.","why":"Auto and unsecured stance."},{"id":"acl_mix_adj","label":"ACL to loans at peer-median mix","short":"ACL mix-adj","lens":"credit","sublens":"acl_by_category","unit":"pct","direction":"contextual","formula":"MIXACL","sources":[{"source":"ffiec","fields":["RC-R / RI-C items as in formula"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Peer set dependent. Rates on books under 1% of loans are noisy.","tier":"A","inHeadline":true,"headlineIn":["credit"],"alsoIn":["capital"],"requiresPeerSet":true,"plain":"Bank's ACL rate in six RI-C categories, weighted by each category's peer-median share of loans.","why":"Reserve stance with mix held constant, in place of the headline ACL ratio."},{"id":"slr_bank","label":"Supplementary leverage ratio, bank","short":"SLR bank","lens":"capital","sublens":"ratio","unit":"pct","direction":"higher","formula":"cx(H036)","sources":[{"source":"ffiec","fields":["H036"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Reported only by advanced approaches and Category III banks.","tier":"A","plain":"As reported in the call report, Schedule RC-R.","why":"A uniform bank-level SLR that needs no text parsing."},{"id":"cet1_advanced_bank","label":"CET1 ratio, advanced, bank","short":"CET1 adv","lens":"capital","sublens":"ratio","unit":"pct","direction":"higher","formula":"num(RCFWP793)","sources":[{"source":"ffiec","fields":["RC-R / RI-C items as in formula"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Advanced approaches banks only, and the lower of this and standardized binds. JPM is 16.08% against 15.03% standardized.","tier":"A","plain":"As reported in the call report, Schedule RC-R, advanced approaches column.","why":"Shows whether the advanced or standardized calculation sets the binding CET1."},{"id":"aoci_call","label":"AOCI, reported in RC-R","short":"AOCI RC","lens":"capital","sublens":"marked","unit":"usd","direction":"higher","formula":"num(RCFAB530)*1000","sources":[{"source":"ffiec","fields":["RC-R / RI-C items as in formula"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Charter-level, so it differs from the group figure in the 10-Q.","tier":"A","alsoIn":["cio"],"plain":"Accumulated other comprehensive income as reported in the call report, Schedule RC-R, in dollars.","why":"Validates the AOCI derived from FDIC equity fields."},{"id":"advertising_ratio","label":"Marketing expense to revenue","short":"Marketing","lens":"ops","sublens":"cost","unit":"pct","direction":"contextual","formula":"cx(0497)/(cx(4074)+cx(4079))*100","sources":[{"source":"ffiec","fields":["0497","4074","4079"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Itemized only above the RI-E threshold, so a null or zero does not mean no spend. Rank only banks that report it.","tier":"A","alsoIn":["consumer"],"plain":"Year-to-date advertising and marketing expense over net interest income plus noninterest income, bank level.","why":"Compares customer acquisition spend in uniform bank-level form."},{"id":"consulting_ratio","label":"Consulting expense to revenue","short":"Consulting","lens":"ops","sublens":"cost","unit":"pct","direction":"lower","formula":"pos(cx(F557))/(cx(4074)+cx(4079))*100","sources":[{"source":"ffiec","fields":["4074","4079","F557"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Itemized only above the RI-E threshold. Banks that do not itemize read n/r, not zero.","tier":"A","alsoIn":["compliance"],"plain":"Year-to-date consulting and advisory expense over net interest income plus noninterest income, bank level.","why":"Indicates change and remediation spend, often ahead of a program becoming public."},{"id":"fee_brokerage","label":"Brokerage fee share of revenue","short":"Brokerage","lens":"wealth","sublens":"income","unit":"pct","direction":"contextual","formula":"cx(C886)/(cx(4074)+cx(4079))*100","sources":[{"source":"ffiec","fields":["4074","4079","C886"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Bank charter only: dealer entities are outside, so groups with large broker-dealers read low.","tier":"A","alsoIn":["markets"],"plain":"Year-to-date securities brokerage fees over year-to-date net interest income plus noninterest income.","why":"Separates brokerage from the combined investment banking, advisory and brokerage line on the FDIC report."},{"id":"fee_ib_advisory","label":"IB and advisory fee share of revenue","short":"IB advisory","lens":"markets","sublens":"ib","unit":"pct","direction":"contextual","formula":"cx(C888)/(cx(4074)+cx(4079))*100","sources":[{"source":"ffiec","fields":["4074","4079","C888"],"note":"FFIEC CDR Call bulk. cx(code) = first populated of RCFD, RCON, RIAD, RCFA, RCOA, RCFW prefix."}],"level":"bank","cadence":"quarterly","caveat":"Bank charter only, on a year-to-date basis, unlike the quarterly IB fee share. Excludes securities brokerage.","tier":"A","plain":"Year-to-date investment banking, advisory and underwriting fees over year-to-date NII plus noninterest income.","why":"Separates investment banking from brokerage inside the combined FDIC fee line."},{"id":"avg_assets_usd","label":"Average assets, two-point","short":"Avg assets","lens":"cfo","sublens":"bases","unit":"usd","direction":"neutral","formula":"ASSET2*1000","sources":[{"source":"fdic","fields":["ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"Two-point average, the denominator FDIC uses for quarterly ROA.","tier":"A","plain":"Average of total assets at the current and prior quarter-ends.","why":"Dollar base for every line of the DuPont walk."},{"id":"avg_earning_assets_usd","label":"Average earning assets, two-point","short":"Avg EA","lens":"cfo","sublens":"bases","unit":"usd","direction":"neutral","formula":"ERNAST2*1000","sources":[{"source":"fdic","fields":["ERNAST2"]}],"level":"bank","cadence":"quarterly","caveat":"Two-point average, the denominator of NIM, earning asset yield and funding cost.","tier":"A","plain":"Average of earning assets at the current and prior quarter-ends.","why":"Dollar base that turns a NIM gap into annual net interest income."},{"id":"avg_loans_usd","label":"Average gross loans, two-point","short":"Avg loans","lens":"cfo","sublens":"bases","unit":"usd","direction":"neutral","formula":"LNLSGR2*1000","sources":[{"source":"fdic","fields":["LNLSGR2"]}],"level":"bank","cadence":"quarterly","caveat":"Two-point average, the denominator of loan yield and the NCO rate.","tier":"A","plain":"Average of gross loans at the current and prior quarter-ends.","why":"Dollar base that turns a loan yield or NCO rate gap into annual dollars."},{"id":"avg_ib_deposits_usd","label":"Average IB deposits","short":"Avg IB dep","lens":"treasury","sublens":"bases","unit":"usd","direction":"neutral","formula":"avg(DEPI,2)*1000","sources":[{"source":"fdic","fields":["DEPI"]}],"level":"bank","cadence":"quarterly","caveat":"Two-point average, the same denominator as cost of interest-bearing deposits.","tier":"A","plain":"Average of the current and prior quarter-end interest-bearing deposits, in dollars.","why":"The dollar base that turns an IB deposit cost gap into annual interest expense."},{"id":"revenue_q_ann_usd","label":"Revenue, quarter annualized","short":"Rev ann","lens":"cfo","sublens":"bases","unit":"usd","direction":"neutral","formula":"(NIMQ+NONIIQ)*4*1000","sources":[{"source":"fdic","fields":["NIMQ","NONIIQ"]}],"level":"bank","cadence":"quarterly","caveat":"Simple x4. Excludes securities gains and losses.","tier":"A","plain":"Quarterly NII plus noninterest income, times four.","why":"Dollar base on the same quarter as the efficiency and fee ratios, so a gap times this base is annual dollars."},{"id":"rwa_usd","label":"Risk-weighted assets","short":"RWA","lens":"capital","sublens":"bases","unit":"usd","direction":"neutral","formula":"RWAJ*1000","sources":[{"source":"fdic","fields":["RWAJ"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charter, standardized adjusted RWA as FDIC reports it.","tier":"A","plain":"Bank risk-weighted assets, in dollars.","why":"The denominator for the CET1 walk."},{"id":"net_income_q_usd","label":"Net income, quarter","short":"NI qtr","lens":"capital","sublens":"bases","unit":"usd","direction":"neutral","formula":"NETINCQ*1000","sources":[{"source":"fdic","fields":["NETINCQ"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charter, not the holding company.","tier":"A","plain":"Bank net income for the quarter, in dollars.","why":"The organic generation line of the quarterly CET1 walk."},{"id":"dividends_q_usd","label":"Cash dividends declared, quarter","short":"Div qtr","lens":"capital","sublens":"bases","unit":"usd","direction":"neutral","formula":"EQCDIVQ*1000","sources":[{"source":"fdic","fields":["EQCDIVQ"]}],"level":"bank","cadence":"quarterly","caveat":"Bank charter: dividends to the parent, which also fund group buybacks.","tier":"A","plain":"Bank cash dividends on common and preferred declared in the quarter, in dollars.","why":"The payout line of the quarterly CET1 walk."},{"id":"dfast_min_cet1","label":"Stressed minimum CET1 ratio","short":"Stress CET1","direction":"higher","formula":"[Projected minimum CET1 ratio, severely adverse scenario]","caveat":"Fed model and assumed capital actions, not a forecast. Annual, and only firms in the supervisory stress test.","lens":"capital","sublens":"stress","unit":"pct","sources":[{"source":"fed","labels":["Projected minimum","Common equity tier 1 capital ratio","dfast-results"]}],"level":"holding","cadence":"annual","tier":"C","inHeadline":true,"headlineIn":["capital"],"plain":"Fed-projected minimum CET1 ratio in the severely adverse scenario, as published.","carry":8,"why":"The Fed result behind the SCB: how far capital falls in its severe recession."},{"id":"dfast_cet1_decline","label":"Stress decline in CET1 ratio","short":"Stress drop","direction":"lower","formula":"[Actual CET1 ratio at the start point]-[Projected minimum CET1 ratio]","caveat":"Negative when a firm builds capital through the horizon. Annual, and only firms in the supervisory stress test.","lens":"capital","sublens":"stress","unit":"pct","sources":[{"source":"fed","labels":["Projected minimum","Common equity tier 1 capital ratio","dfast-results"]}],"level":"holding","cadence":"annual","tier":"C","plain":"Actual starting CET1 ratio less the Fed-projected minimum, in percentage points.","carry":8,"why":"Peak-to-trough capital consumption under stress, independent of starting capital."},{"id":"dp_nci","label":"Noncontrolling interests to assets","short":"NCI/A","lens":"cfo","sublens":"dupont","unit":"pct","direction":"neutral","formula":"nz(NETIMINQ)*4/ASSET2*100","sources":[{"source":"fdic","fields":["NETIMINQ","ASSET2"]}],"level":"bank","cadence":"quarterly","caveat":"Small at most banks. Deducted from net income, so it subtracts in the walk.","tier":"A","plain":"Quarterly net income attributable to noncontrolling interests, annualized, over average assets.","why":"Seventh DuPont line: closes the walk to ROA at banks with consolidated partnerships."},{"id":"eq_revenue","label":"Revenue","short":"Revenue","lens":"earnings","sublens":"P&L","unit":"usd","direction":"higher","formula":"Net interest income plus noninterest income, three months. Net of retailer share arrangements where a filer deducts them (Synchrony).","plain":"Net interest income plus noninterest income, three months. Net of retailer share arrangements where a filer deducts them (Synchrony).","sources":[{"source":"xbrl","tags":["InterestIncomeExpenseNet","NoninterestIncome"]},{"source":"release","labels":["Revenue"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"revenue_ttm_hc","label":"Revenue, trailing four quarters","short":"Rev TTM","lens":"strategy","sublens":"scale","unit":"usd","direction":"higher","formula":"sum4({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements}))","plain":"Net interest income plus noninterest income over the last four quarters.","sources":[{"source":"xbrl","tags":["InterestIncomeExpenseNet","NoninterestIncome"]},{"source":"release","labels":["Revenue"]}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"rev_growth_hc","label":"Revenue growth, TTM YoY, holding","short":"Rev gr HC","lens":"strategy","sublens":"growth","unit":"pct","direction":"higher","formula":"(sum4({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements}))/lag(sum4({InterestIncomeExpenseNet}+{NoninterestIncome}-nz({RevenueShareArrangements})),4)-1)*100","plain":"Trailing four-quarter revenue over the same figure a year earlier, less one.","caveat":"Withheld for eight quarters after a merger, since a TTM flow holds only part of the target.","sources":[{"source":"xbrl","tags":["InterestIncomeExpenseNet","NoninterestIncome"]},{"source":"release","labels":["Revenue"]}],"level":"holding","cadence":"quarterly","tier":"C","inHeadline":true,"headlineIn":["strategy"]},{"id":"eq_nii","label":"Net interest income","short":"NII","lens":"earnings","sublens":"P&L","unit":"usd","direction":"higher","formula":"Net interest income, three months, as reported.","plain":"Net interest income, three months, as reported.","sources":[{"source":"xbrl","tags":["InterestIncomeExpenseNet"]},{"source":"release","labels":["Net interest income"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_nonii","label":"Noninterest income","short":"Fees","lens":"earnings","sublens":"P&L","unit":"usd","direction":"higher","formula":"Noninterest income, three months, as reported.","plain":"Noninterest income, three months, as reported.","sources":[{"source":"xbrl","tags":["NoninterestIncome"]},{"source":"release","labels":["Noninterest income"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_expense","label":"Noninterest expense","short":"Expense","lens":"earnings","sublens":"P&L","unit":"usd","direction":"lower","formula":"Noninterest expense, three months, as reported.","plain":"Noninterest expense, three months, as reported.","sources":[{"source":"xbrl","tags":["NoninterestExpense"]},{"source":"release","labels":["Noninterest expense"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_ppnr","label":"Pre-provision net revenue","short":"PPNR","lens":"earnings","sublens":"P&L","unit":"usd","direction":"higher","formula":"Revenue less noninterest expense, three months. Net of retailer share arrangements where a filer deducts them (Synchrony).","plain":"Revenue less noninterest expense, three months. Net of retailer share arrangements where a filer deducts them (Synchrony).","sources":[{"source":"xbrl","tags":["InterestIncomeExpenseNet","NoninterestIncome","NoninterestExpense"]},{"source":"release","labels":["Pre-provision net revenue"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_provision","label":"Provision for credit losses","short":"Provision","lens":"earnings","sublens":"P&L","unit":"usd","direction":"lower","formula":"Provision for credit losses, three months, as reported.","plain":"Provision for credit losses, three months, as reported.","sources":[{"source":"xbrl","tags":["ProvisionForLoanLeaseAndOtherLosses"]},{"source":"release","labels":["Provision for credit losses"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_net_income","label":"Net income","short":"Net income","lens":"earnings","sublens":"P&L","unit":"usd","direction":"higher","formula":"Net income, three months, as reported.","plain":"Net income, three months, as reported.","sources":[{"source":"xbrl","tags":["NetIncomeLoss"]},{"source":"release","labels":["Net income"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_eps","label":"Diluted EPS","short":"EPS","lens":"earnings","sublens":"P&L","unit":"usd","direction":"higher","formula":"Diluted earnings per share, three months, as reported.","plain":"Diluted earnings per share, three months, as reported.","sources":[{"source":"xbrl","tags":["EarningsPerShareDiluted"]},{"source":"release","labels":["Diluted EPS"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_efficiency","label":"Efficiency ratio","short":"Efficiency","lens":"earnings","sublens":"Ratios","unit":"pct","direction":"lower","formula":"Noninterest expense over revenue, on reported lines. Net of retailer share arrangements where a filer deducts them (Synchrony).","plain":"Noninterest expense over revenue, on reported lines. Net of retailer share arrangements where a filer deducts them (Synchrony).","sources":[{"source":"xbrl","tags":["NoninterestExpense","InterestIncomeExpenseNet","NoninterestIncome"]},{"source":"release","labels":["Efficiency ratio"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_fee_share","label":"Fee share of revenue","short":"Fee share","lens":"earnings","sublens":"Ratios","unit":"pct","direction":"contextual","formula":"Noninterest income over revenue.","plain":"Noninterest income over revenue.","sources":[{"source":"xbrl","tags":["NoninterestIncome","InterestIncomeExpenseNet"]},{"source":"release","labels":["Fee share of revenue"]}],"level":"holding","cadence":"quarterly","tier":"B"},{"id":"eq_nco_rate","label":"Net charge-off rate","short":"NCO rate","lens":"earnings","sublens":"Credit","unit":"pct","direction":"lower","formula":"Net charge-offs, annualized, over the average of period-end loans.","plain":"Net charge-offs, annualized, over the average of period-end loans.","sources":[{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery","FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]},{"source":"release","labels":["Net charge-off rate"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_loans","label":"Loans, period end","short":"Loans","lens":"earnings","sublens":"Balance sheet","unit":"usd","direction":"neutral","formula":"Total loans before allowance, period end.","plain":"Total loans before allowance, period end.","sources":[{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"]},{"source":"release","labels":["Loans, period end"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_deposits","label":"Deposits, period end","short":"Deposits","lens":"earnings","sublens":"Balance sheet","unit":"usd","direction":"neutral","formula":"Total deposits, period end.","plain":"Total deposits, period end.","sources":[{"source":"xbrl","tags":["Deposits"]},{"source":"release","labels":["Deposits, period end"]}],"level":"holding","cadence":"quarterly","tier":"B","inHeadline":true,"headlineIn":["earnings"]},{"id":"eq_assets","label":"Total assets, period end","short":"Assets","lens":"earnings","sublens":"Balance sheet","unit":"usd","direction":"neutral","formula":"Total assets, period end.","plain":"Total assets, period end.","sources":[{"source":"xbrl","tags":["Assets"]},{"source":"release","labels":["Total assets, period end"]}],"level":"holding","cadence":"quarterly","tier":"B"},{"id":"ofr_systemic_score","label":"OFR systemic importance score","short":"Systemic score","lens":"capital","sublens":"requirement","unit":"score","direction":"contextual","formula":"[U.S. Systemic Importance Score]","plain":"Score from the OFR Bank Systemic Risk Monitor, built on year-end FR Y-15 data. 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A commercial portfolio counts here only beside a separate CRE portfolio.","alsoIn":["commercial"],"plain":"Commercial and industrial loans before allowance at the holding company, as tagged in the loan footnote.","why":"The C&I book on the firm perimeter."},{"id":"hedge_notional_designated","label":"Designated hedge notional","short":"Hedges","lens":"cio","sublens":"hedges","unit":"usd","direction":"contextual","level":"holding","cadence":"quarterly","tier":"C","formula":"[Designated hedge notional]","sources":[{"source":"xbrl","tags":["DerivativeNotionalAmount"]}],"caveat":"Includes foreign exchange hedges where the filer tags them with the rest.","alsoIn":["treasury"],"plain":"Notional of all derivatives designated as accounting hedges, as tagged in the derivatives footnote.","why":"The size of the hedge book, for filers that do not split cash flow from fair value hedges."},{"id":"afs_ust_hc","label":"Treasuries in AFS","short":"AFS USTs","lens":"cio","sublens":"securities","unit":"usd","direction":"contextual","level":"holding","cadence":"quarterly","tier":"C","formula":"[Treasuries in AFS]","sources":[{"source":"xbrl","tags":["DebtSecuritiesAvailableForSaleExcludingAccruedInterest"]}],"caveat":"A few filers tag Treasuries and agencies together.","alsoIn":["treasury"],"plain":"U.S. Treasury securities in the available-for-sale portfolio, at fair value.","why":"How much of the AFS book is rate risk with no credit or prepayment risk."},{"id":"afs_mbs_hc","label":"Mortgage-backed securities in AFS","short":"AFS MBS","lens":"cio","sublens":"securities","unit":"usd","direction":"contextual","level":"holding","cadence":"quarterly","tier":"C","formula":"[Mortgage-backed securities in AFS]","sources":[{"source":"xbrl","tags":["DebtSecuritiesAvailableForSaleExcludingAccruedInterest"]}],"caveat":"Agency and non-agency are combined. Filers that split into many classes are summed.","alsoIn":["treasury"],"plain":"Mortgage-backed securities in the available-for-sale portfolio, at fair value.","why":"The part of the AFS book that extends when rates rise."},{"id":"adj_revenue_hc","label":"Revenue, as adjusted","short":"Adj revenue","lens":"earnings","sublens":"adjusted","unit":"usd","direction":"higher","formula":"[Adjusted revenue]","plain":"Revenue as the bank adjusts it in its own non-GAAP reconciliation, or net interest income plus its adjusted noninterest income.","sources":[{"source":"release","labels":["Adjusted revenue","Adjusted total revenue"]},{"source":"filing","labels":["Adjusted revenue","Adjusted total revenue"]}],"level":"holding","cadence":"quarterly","tier":"C","caveat":"Each bank chooses what it removes. Some state it taxable-equivalent."},{"id":"adj_nonii_hc","label":"Noninterest income, as adjusted","short":"Adj fees","lens":"earnings","sublens":"adjusted","unit":"usd","direction":"higher","formula":"[Adjusted noninterest income]","plain":"Noninterest income as the bank adjusts it in its own non-GAAP reconciliation.","sources":[{"source":"release","labels":["Adjusted noninterest income"]},{"source":"filing","labels":["Adjusted noninterest income"]}],"level":"holding","cadence":"quarterly","tier":"C","caveat":"Each bank chooses what it removes."},{"id":"adj_expense_hc","label":"Noninterest expense, as adjusted","short":"Adj expense","lens":"earnings","sublens":"adjusted","unit":"usd","direction":"lower","formula":"[Adjusted noninterest expense]","plain":"Noninterest expense as the bank adjusts it in its own non-GAAP reconciliation.","sources":[{"source":"release","labels":["Adjusted noninterest expense"]},{"source":"filing","labels":["Adjusted noninterest expense"]}],"level":"holding","cadence":"quarterly","tier":"C","caveat":"Each bank chooses what it removes."},{"id":"adj_eps_hc","label":"Diluted EPS, as adjusted","short":"Adj EPS","lens":"earnings","sublens":"adjusted","unit":"usd","direction":"higher","formula":"[Adjusted diluted EPS]","plain":"Diluted earnings per share as the bank adjusts it in its own non-GAAP reconciliation.","sources":[{"source":"release","labels":["Adjusted diluted EPS"]},{"source":"filing","labels":["Adjusted diluted EPS"]}],"level":"holding","cadence":"quarterly","tier":"C","caveat":"Each bank chooses what it removes."},{"id":"adj_rotce_hc","label":"ROTCE, as adjusted","short":"Adj ROTCE","lens":"earnings","sublens":"adjusted","unit":"pct","direction":"higher","formula":"[Adjusted ROTCE]","plain":"Return on tangible common equity as the bank adjusts it in its own non-GAAP reconciliation.","sources":[{"source":"release","labels":["Adjusted ROTCE"]},{"source":"filing","labels":["Adjusted ROTCE"]}],"level":"holding","cadence":"quarterly","tier":"C","caveat":"Each bank chooses what it removes."},{"id":"adj_efficiency_hc","label":"Efficiency ratio, as adjusted","short":"Adj eff","lens":"earnings","sublens":"adjusted","unit":"pct","direction":"lower","formula":"[Adjusted efficiency ratio]","plain":"Efficiency ratio as the bank adjusts it, or adjusted expense over adjusted revenue.","sources":[{"source":"release","labels":["Adjusted efficiency ratio"]},{"source":"filing","labels":["Adjusted efficiency ratio"]}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"eq_nco","label":"Net charge-offs","short":"NCOs","lens":"earnings","sublens":"Credit","unit":"usd","direction":"lower","formula":"Net charge-offs, three months, as reported.","plain":"Net charge-offs, three months, as reported.","sources":[{"source":"xbrl","tags":["FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"]},{"source":"release","labels":["Net charge-offs"]}],"level":"holding","cadence":"quarterly","tier":"B"},{"id":"provision_nco_hc","label":"Provision over net charge-offs","short":"Prov/NCO","lens":"credit","sublens":"reserves","unit":"x","direction":"contextual","formula":"[eq_provision]/[eq_nco]","plain":"Provision for credit losses over net charge-offs, same quarter. 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At the flash quarter, dividends per share times the shares implied by net income over diluted EPS.","sources":[{"source":"xbrl","tags":["PaymentsOfDividends"]}],"level":"holding","cadence":"quarterly","tier":"B"},{"id":"capital_return_q","label":"Capital returned, quarter","short":"Returned","lens":"capital","sublens":"payout","unit":"usd","direction":"contextual","formula":"[buybacks_q]+[dividends_q]","plain":"Share repurchases plus dividends in the quarter.","sources":[{"source":"derived"}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"fhlb_capacity_unused","label":"Unused FHLB capacity","short":"FHLB unused","lens":"treasury","sublens":"liquidity","unit":"usd","direction":"higher","formula":"[Unused FHLB borrowing capacity]","plain":"Unused borrowing capacity at the Federal Home Loan Banks, as the 10-Q tabulates it.","sources":[{"source":"filing","labels":["Unused borrowing capacity from FHLB","FHLB borrowing availability"]},{"source":"release","labels":["Unused borrowing capacity from FHLB","FHLB borrowing availability"]}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"frb_capacity_unused","label":"Unused Federal Reserve capacity","short":"FRB unused","lens":"treasury","sublens":"liquidity","unit":"usd","direction":"higher","formula":"[Unused Federal Reserve borrowing capacity]","plain":"Unused discount window capacity at the Federal Reserve, as the 10-Q tabulates it.","sources":[{"source":"filing","labels":["Unused borrowing capacity from Federal Reserve Bank"]},{"source":"release","labels":["Unused borrowing capacity from Federal Reserve Bank"]}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"borrowing_capacity_total","label":"Secured borrowing capacity, total","short":"Borrow cap","lens":"treasury","sublens":"liquidity","unit":"usd","direction":"higher","formula":"[Total secured borrowing capacity]","plain":"Total secured borrowing capacity where the 10-Q states one figure.","sources":[{"source":"filing","labels":["Available secured borrowing capacity","Total borrowing capacity"]},{"source":"release","labels":["Available secured borrowing capacity","Total borrowing capacity"]}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"cib_payments","label":"Payments revenue, corporate and investment bank","short":"CIB payments","lens":"commercial","sublens":"segment","unit":"usd","direction":"higher","formula":"[CIB payments revenue]","plain":"Payments revenue line of the corporate and investment bank.","sources":[{"source":"release","labels":["Payments"]},{"source":"filing","labels":["Payments"]}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"cib_lending","label":"Lending revenue, corporate and investment bank","short":"CIB lending","lens":"commercial","sublens":"segment","unit":"usd","direction":"higher","formula":"[CIB lending revenue]","plain":"Lending revenue line of the corporate and investment bank.","sources":[{"source":"release","labels":["Lending"]},{"source":"filing","labels":["Lending"]}],"level":"holding","cadence":"quarterly","tier":"C"},{"id":"tech_over_expense_hc","label":"Technology over noninterest expense, holding","short":"Tech/exp","lens":"ops","sublens":"technology","unit":"pct","direction":"contextual","formula":"sumnz({CommunicationsAndInformationTechnology},{InformationTechnologyAndDataProcessing})/{NoninterestExpense}*100","plain":"Tagged technology and communications expense over noninterest expense, holding company.","sources":[{"source":"xbrl","tags":["CommunicationsAndInformationTechnology","InformationTechnologyAndDataProcessing","NoninterestExpense"]}],"level":"holding","cadence":"quarterly","tier":"B","caveat":"Excludes technology staff."},{"id":"nii_up200","label":"NII sensitivity: +200bp","short":"NII +200","lens":"treasury","sublens":"sensitivity","unit":"pct","direction":"contextual","formula":"[12m NII change, +200bp parallel]","plain":"Change in 12 month net interest income for a parallel +200bp move, on the ramp where the bank prints one. 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