BDI

Data trust

How every metric is built.

This page is rendered directly from the same typed registry that drives calculations and displays. A metric cannot change in code without changing its record here.

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Registered metrics

120

Derived formulas

76

Annualized metrics

14

Calculation methods

Annualization

Year-to-date income and expense flows are multiplied by four divided by the reporting quarter number. Single-quarter values subtract the prior year-to-date filing except in the first quarter. Balance-sheet values are never annualized.

Peer construction

Each reporting bank enters one national asset tier based on that period's reported assets and one headquarters-state cohort. Asset tiers use half-open boundaries, so a bank belongs to exactly one tier. No asset value is inferred for a nonreporter.

Polarity and percentiles

The registry marks each metric as higher-favorable, lower-favorable, or neutral. Percentiles use the same-period peer cohort and reverse lower-favorable metrics so a higher displayed percentile consistently means the registry-defined favorable direction. Statistics are withheld for cohorts with fewer than five observations.

Unreported values

Missing, not applicable, and non-finite values remain null through calculation, aggregation, and display. Denominators use NULLIF to prevent divide-by-zero results. The interface renders Not reported and never substitutes zero.

Live contract

Metric registry

FDICCall Report fields

Size

14 metrics

Everything the bank owns or is owed, reported in thousands of dollars.

ASSET

Customer deposits held by the bank across domestic and foreign offices.

DEP

Loans and leases after subtracting the allowance for expected credit losses.

LNLSNET

Loans and leases before deducting the allowance for credit losses.

LNLSGR

The accounting value belonging to shareholders after liabilities are subtracted from assets.

EQ

All obligations owed by the bank, including deposits and borrowings.

LIAB

The bank's held-to-maturity and available-for-sale investment securities.

SC

Cash, reserve balances, and immediately available balances due from other banks.

CHBAL

The carrying value of bank buildings, equipment, and other fixed operating assets.

BKPREM

Nonphysical assets such as goodwill and identifiable acquisition intangibles.

INTAN

Assets and off-balance-sheet exposures weighted under regulatory capital rules.

RWAJ

The number of domestic banking offices reported by the institution.

OFFDOM

The workforce expressed as full-time-equivalent employees.

NUMEMP
Assets per FTE

higher better

Total assets supported by each full-time-equivalent employee.

total_assets / NULLIF(fte_employees, 0)

Growth

16 metrics

The percentage change in total assets from the immediately preceding quarter.

(total_assets / NULLIF(lag(total_assets, 1), 0) - 1) * 100

The percentage change in total assets from the same quarter one year earlier.

(total_assets / NULLIF(lag(total_assets, 4), 0) - 1) * 100

The percentage change in deposits from the preceding quarter.

(total_deposits / NULLIF(lag(total_deposits, 1), 0) - 1) * 100

The percentage change in deposits from the same quarter one year earlier.

(total_deposits / NULLIF(lag(total_deposits, 4), 0) - 1) * 100

The percentage change in net loans from the preceding quarter.

(net_loans / NULLIF(lag(net_loans, 1), 0) - 1) * 100

The percentage change in net loans from the same quarter one year earlier.

(net_loans / NULLIF(lag(net_loans, 4), 0) - 1) * 100

The percentage change in total equity capital from the preceding quarter.

(total_equity / NULLIF(lag(total_equity, 1), 0) - 1) * 100

The percentage change in total equity from the same quarter one year earlier.

(total_equity / NULLIF(lag(total_equity, 4), 0) - 1) * 100

The change in single-quarter net income from the preceding quarter.

(net_income_quarter / NULLIF(lag(net_income_quarter, 1), 0) - 1) * 100

The change in single-quarter net income from the same quarter one year earlier.

(net_income_quarter / NULLIF(lag(net_income_quarter, 4), 0) - 1) * 100

The change in single-quarter noninterest income from the preceding quarter.

(noninterest_income_quarter / NULLIF(lag(noninterest_income_quarter, 1), 0) - 1) * 100

The change in single-quarter noninterest income from one year earlier.

(noninterest_income_quarter / NULLIF(lag(noninterest_income_quarter, 4), 0) - 1) * 100

The percentage change in domestic offices from the preceding quarter.

(branch_count / NULLIF(lag(branch_count, 1), 0) - 1) * 100

The percentage change in domestic offices from one year earlier.

(branch_count / NULLIF(lag(branch_count, 4), 0) - 1) * 100

The percentage change in full-time-equivalent employees from the preceding quarter.

(fte_employees / NULLIF(lag(fte_employees, 1), 0) - 1) * 100

The percentage change in full-time-equivalent employees from one year earlier.

(fte_employees / NULLIF(lag(fte_employees, 4), 0) - 1) * 100

Profitability

12 metrics
Return on Assets

higher better · annualized

Annualized net income earned for every dollar of average assets.

net_income_ytd_annualized / NULLIF(avg_assets, 0) * 100
Return on Equity

higher better · annualized

Annualized net income earned for every dollar of average equity capital.

net_income_ytd_annualized / NULLIF(avg_equity, 0) * 100

Profit after provisions, operating expenses, taxes, and other recognized items for the year to date.

NETINC

Interest earned on assets minus interest paid on deposits and borrowings for the year to date.

NIM

Fees and other revenue not classified as net interest income for the year to date.

NONII

Net interest income plus noninterest income for the year to date.

net_interest_income_ytd + noninterest_income_ytd

Income before federal and state income taxes for the year to date.

PTAXNETINC

Expense recorded to adjust the allowance for expected credit losses during the year.

ELNATR

Income tax expense as a percentage of pretax income.

income_tax_ytd / NULLIF(pretax_income_ytd, 0) * 100

Realized gains or losses from securities transactions for the year to date.

IGLSEC

The percentage of core revenue generated outside net interest income.

noninterest_income_ytd / NULLIF(net_interest_income_ytd + noninterest_income_ytd, 0) * 100
Pretax Return on Assets

higher better · annualized

Annualized pretax income as a percentage of average assets.

pretax_income_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100

Margin

8 metrics
Net Interest Margin

higher better · annualized

Annualized net interest income as a percentage of average earning assets.

net_interest_income_ytd_annualized / NULLIF(avg_earning_assets, 0) * 100
Yield on Earning Assets

higher better · annualized

Annualized interest income earned as a percentage of average earning assets.

INTINCY
Interest Income to Assets

higher better · annualized

Annualized interest income as a percentage of average total assets.

interest_income_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100
Interest Expense to Assets

lower better · annualized

Annualized interest expense as a percentage of average assets.

interest_expense_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100
Cost of Interest-Bearing Deposits

lower better · annualized

Annualized reported interest expense relative to average interest-bearing domestic deposits.

interest_expense_ytd * 4 / quarter_of_year / NULLIF(avg_interest_bearing_deposits, 0) * 100
Net Interest Income to Assets

higher better · annualized

Annualized net interest income as a percentage of average total assets.

net_interest_income_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100

Interest income as a percentage of interest income plus noninterest income.

interest_income_ytd / NULLIF(interest_income_ytd + noninterest_income_ytd, 0) * 100

The year-over-year change in net interest margin, expressed in basis points.

(net_interest_margin - lag(net_interest_margin, 4)) * 100

Efficiency

8 metrics
Efficiency Ratio

lower better

The cents of noninterest expense required to generate one dollar of core revenue.

noninterest_expense_ytd / NULLIF(net_interest_income_ytd + noninterest_income_ytd, 0) * 100
Noninterest Expense to Assets

lower better · annualized

Annualized noninterest operating expense as a percentage of average assets.

noninterest_expense_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100
Salaries and Benefits to Assets

lower better · annualized

Annualized salaries and employee benefits as a percentage of average assets.

salaries_benefits_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100
Occupancy Expense to Assets

lower better · annualized

Annualized premises and fixed-asset expense as a percentage of average assets.

occupancy_expense_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100

Total assets supported by each full-time-equivalent employee, classified as an efficiency measure.

total_assets / NULLIF(fte_employees, 0)
Annualized Revenue per FTE

higher better · annualized

Annualized core revenue generated per full-time-equivalent employee.

(net_interest_income_ytd + noninterest_income_ytd) * 4 / quarter_of_year / NULLIF(fte_employees, 0)
Deposits per FTE

higher better

Total deposits supported by each full-time-equivalent employee.

total_deposits / NULLIF(fte_employees, 0)

Salaries and benefits as a percentage of total noninterest expense.

salaries_benefits_ytd / NULLIF(noninterest_expense_ytd, 0) * 100

Loan Mix

20 metrics

Loans secured by nonfarm nonresidential property occupied by the borrower.

LNRENROW

Owner-occupied commercial real estate loans as a percentage of gross loans.

cre_owner_occ / NULLIF(gross_loans, 0) * 100

Loans secured by nonfarm nonresidential property not occupied by the borrower.

LNRENROT

Nonowner-occupied commercial real estate loans as a percentage of gross loans.

cre_nonowner / NULLIF(gross_loans, 0) * 100

Loans secured by residential properties containing five or more units.

LNREMULT

Multifamily real estate loans as a percentage of gross loans.

multifamily / NULLIF(gross_loans, 0) * 100

Loans financing construction, land development, and other land projects.

LNRECONS

Construction and land development loans as a percentage of gross loans.

construction / NULLIF(gross_loans, 0) * 100

Loans secured by farmland and related real estate.

LNREAG

Farmland-secured loans as a percentage of gross loans.

farmland / NULLIF(gross_loans, 0) * 100

Closed-end loans secured by one-to-four-family residential properties.

LNRERES

One-to-four-family residential loans as a percentage of gross loans.

res_1_4_first / NULLIF(gross_loans, 0) * 100

Revolving open-end loans secured by one-to-four-family residential property.

LNRELOC

Home equity lines as a percentage of gross loans.

heloc / NULLIF(gross_loans, 0) * 100

Loans to businesses for working capital, equipment, and other commercial purposes.

LNCI

Commercial and industrial loans as a percentage of gross loans.

commercial_industrial / NULLIF(gross_loans, 0) * 100

Loans financing agricultural production and other loans to farmers.

LNAG

Agricultural production loans as a percentage of gross loans.

agricultural / NULLIF(gross_loans, 0) * 100

Outstanding loans under credit card plans.

LNCRCD

Credit card loans as a percentage of gross loans.

credit_card / NULLIF(gross_loans, 0) * 100

Concentration

10 metrics

Commercial real estate and construction loans as a percentage of total risk-based capital.

(cre_owner_occ + cre_nonowner + multifamily + construction) / NULLIF(total_risk_based_capital, 0) * 100

Construction and land development loans as a percentage of total risk-based capital.

construction / NULLIF(total_risk_based_capital, 0) * 100

Agricultural production loans as a percentage of total risk-based capital.

agricultural / NULLIF(total_risk_based_capital, 0) * 100

One-to-four-family mortgages and HELOCs relative to total risk-based capital.

(res_1_4_first + heloc) / NULLIF(total_risk_based_capital, 0) * 100

Commercial and industrial loans as a percentage of total risk-based capital.

commercial_industrial / NULLIF(total_risk_based_capital, 0) * 100

Multifamily loans as a percentage of total risk-based capital.

multifamily / NULLIF(total_risk_based_capital, 0) * 100

The sum of squared material loan-category shares on a 0-to-10,000 scale.

10000 * sum_of_squared_material_loan_shares

Loans secured by real estate as a percentage of gross loans.

(cre_owner_occ + cre_nonowner + multifamily + construction + farmland + res_1_4_first + heloc) / NULLIF(gross_loans, 0) * 100

Net loans as a percentage of total deposits.

net_loans / NULLIF(total_deposits, 0) * 100

Net loans as a percentage of total assets.

net_loans / NULLIF(total_assets, 0) * 100

Credit

14 metrics

Loans and leases 30 through 89 days past due and still accruing.

P3ASSET

Loans 30–89 days past due as a percentage of gross loans.

past_due_30_89 / NULLIF(gross_loans, 0) * 100

Loans at least 90 days past due that remain on accrual status.

P9ASSET

Loans at least 90 days past due and still accruing as a percentage of gross loans.

past_due_90 / NULLIF(gross_loans, 0) * 100
Nonaccrual Loans

lower better

Loans for which interest income is no longer being accrued because collection is doubtful.

NAASSET

Nonaccrual loans as a percentage of gross loans.

nonaccrual / NULLIF(gross_loans, 0) * 100
Noncurrent Loans

lower better

Loans 90+ days past due plus loans on nonaccrual status.

past_due_90 + nonaccrual

Noncurrent loans as a percentage of gross loans.

(past_due_90 + nonaccrual) / NULLIF(gross_loans, 0) * 100

Real estate acquired through foreclosure or similar resolution of a troubled credit.

ORE

Noncurrent loans plus other real estate owned.

past_due_90 + nonaccrual + oreo

Nonperforming assets as a percentage of total assets.

(past_due_90 + nonaccrual + oreo) / NULLIF(total_assets, 0) * 100

Loan charge-offs minus recoveries for the year to date.

NTLNLS + DRLNLS + CRLNLS
Net Charge-Off Rate

lower better · annualized

Annualized net charge-offs as a percentage of average gross loans.

net_charge_offs_ytd * 4 / quarter_of_year / NULLIF(avg_gross_loans, 0) * 100

The allowance for credit losses as a percentage of gross loans.

loan_loss_allowance / NULLIF(gross_loans, 0) * 100

Capital

10 metrics

Total qualifying regulatory capital as a percentage of risk-weighted assets.

RBCRWAJ

Tier 1 regulatory capital as a percentage of risk-weighted assets.

IDT1RWAJR

Common equity Tier 1 capital as a percentage of risk-weighted assets.

IDT1CER

Tier 1 capital relative to the regulatory average-assets denominator without risk weighting.

RBC1AAJ
Equity to Assets

higher better

Accounting equity capital as a percentage of total assets.

total_equity / NULLIF(total_assets, 0) * 100

Regulatory risk-weighted assets used in capital-ratio denominators.

RWAJ

Risk-weighted assets as a percentage of total assets.

risk_weighted_assets / NULLIF(total_assets, 0) * 100

The dollar amount of total qualifying risk-based regulatory capital.

RBCT2
Tier 1 Capital

higher better

The dollar amount of qualifying Tier 1 regulatory capital.

RBCT1J

Indicates whether the bank elects the Community Bank Leverage Ratio framework.

(extended ->> 'CBLRIND')::numeric

Liquidity

8 metrics

Net loans as a percentage of total deposits.

net_loans / NULLIF(total_deposits, 0) * 100
Cash to Assets

higher better

Cash and due-from-bank balances as a percentage of total assets.

cash_and_due / NULLIF(total_assets, 0) * 100

Investment securities as a percentage of total assets.

total_securities / NULLIF(total_assets, 0) * 100

Securities designated available for sale and carried at fair value.

SCAF

Securities the bank asserts it intends and is able to hold until maturity.

SCHA
Core Deposits

higher better

FDIC-defined deposits considered part of the bank's core funding base.

(extended ->> 'COREDEP')::numeric
Core Deposit Ratio

higher better

Core deposits as a percentage of total deposits.

(extended ->> 'COREDEP')::numeric / NULLIF(total_deposits, 0) * 100

Estimated uninsured deposits as a percentage of total deposits.

estimated_uninsured_dep / NULLIF(total_deposits, 0) * 100