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Bank performance intelligence built from public regulatory data

Turn Call Report data into decision-ready bank intelligence.

Benchmark your bank against a custom peer group, understand what changed, trace performance to detailed drivers, and verify the source behind important calculations—all in one finance-focused workspace.

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FDIC & FFIEC sourcedCustom-peer benchmarkingCalculation lineageBank vendor-review aware
Quarter intelligence brief · Q2 2026
NIM
3.76%
Peer context + trend
ROA
1.31%
Arithmetic bridge
What deserves attention?
Noninterest-bearing depositsInvestigate
Detailed loan yieldsRaw CDR
Data quality & reconciliationChecks ready
Summary → detail → lineageStart broad, expand the driver, then see the exact field and formula.
Your peer group, not a generic cohortBenchmark against the institutions management actually cares about.
Public-data firstCore analytics use FDIC BankFind and FFIEC Call Report information.
Built for reviewabilityData-quality checks distinguish reported, derived, proxy and missing data.
Product

One workspace for the questions bank finance teams ask every quarter.

Ask BankCFO is designed to move from “what happened?” to “where should I investigate?” without losing the ability to trace the answer back to the regulatory source. The embedded BankCFO Assistant helps connect those facts across the workspace.

01

Quarter intelligence

Surface meaningful quarter-over-quarter movements, peer gaps, monitoring items and trend context instead of forcing users to scan every ratio.

02

Drivers & lineage

Drill into loan and investment yields, deposit mix, noninterest activity and RI-E detail. See MDRMs, raw values, denominators and formulas.

03

Custom-peer benchmarking

Compare against a bank-selected peer group with medians, ranges, distributions and small-sample-aware peer-position language.

04

Changes & opportunity

Connect balance-sheet changes and peer gaps to transparent analytical sensitivities while keeping modeled economics separate from observed facts.

05

Market & strategy

Bring SOD market context, branch trends and acquisition analysis into the same decision-support environment.

06

Monitoring & data confidence

Save quarterly snapshots, create alert rules and review reconciliations so missing or proxy data is visible rather than silently treated as fact.

How it works

Built to be explainable, not a black box.

The core workflow keeps source data, calculations and interpretation separate so a finance team can challenge the analysis.

Step 1

Load the public regulatory record

BankFind financials provide the broad foundation. Optional public FFIEC single-period Call Report imports add detailed raw MDRM fields for deeper Drivers analysis.

Step 2

Benchmark and reconcile

The workspace calculates custom-peer context, checks source coverage and reconciles important derived totals before surfacing conclusions.

Step 3

Investigate with evidence attached

Open a driver, trend, market or ROA bridge, then use Lineage to see the source field, reporting basis, peer coverage and formula behind the number.

Security & vendor due diligence

Built with bank vendor review in mind.

Bankers should be able to understand what data is stored, what leaves the browser, how access works, and which controls are current versus still on the pre-launch roadmap. The Trust Center documents that posture without claiming certifications that have not been earned.

Workspace-scoped recordsHashed passwords & session tokensRate-limited authenticationAudit-event loggingLocal-sensitive data classificationVendor-readiness roadmap
Preparing a vendor review?

Review the current architecture, data handling, control inventory, known pre-launch gaps and due-diligence evidence roadmap.

Open Security & Trust Center
Trial & pricing

Try the full workspace for 30 days.

Self-service registration is open for the beta. Start with a full 30-day trial and no credit card; paid packaging will be finalized after early-user feedback.

Available now

30-day free trial

$0

Explore the analytical workspace, custom peers, Drivers, monitoring, reports, and BankCFO Assistant before deciding whether it belongs in your workflow.

  • No credit card required
  • Self-service registration
  • Clear trial-end date
  • Feedback channel included
After trial

Institutional subscription

Pricing TBD

The first paid package will stay simple while we learn how banks want to license the product.

  • Third-party payment processor planned
  • No full payment-card storage in Ask BankCFO
  • Vendor due diligence available before purchase
For bank review

Security & due diligence

Transparent

Review data handling, current controls, known gaps, AI boundaries, and the vendor-readiness roadmap before adopting the product.

  • Security & Trust Center
  • Vendor-review documentation
  • Direct issue / feedback contact
Beta status: self-service registration is enabled. The free trial lasts 30 days. Self-service billing is not yet enabled, so trial users who want continued access can contact us while pricing and payment processing are finalized.

Ready to explore it?

Create your own workspace in a few minutes. No invitation or credit card is required.

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FAQ

Questions a bank team is likely to ask first.

Is this an FDIC or FFIEC product?No. Ask BankCFO is an independent analytical application that uses public FDIC and FFIEC data. It is not affiliated with, sponsored by, or endorsed by the FDIC or FFIEC.
What makes the peer comparisons different?The workspace uses the custom peer group selected by the user. It does not present those results as an FDIC, UBPR, national or regulatory peer group.
Does the application require internal bank data?No for the core peer analytics. Most analysis is built from public regulatory data. Optional internal deposit/product tools are deliberately classified separately in the current design.
Is a free trial available today?Yes. Self-service registration includes a 30-day beta trial with no credit card required.
How will payment work?Payment is not collected during the free trial. Paid pricing is still being finalized; when billing is added, the plan is to use a third-party payment processor and avoid storing full payment-card details in the application.
Can vendor management review the product before purchase?That is the intent. The Security & Trust Center documents the current posture and the evidence package being built for bank third-party-risk reviews.
Public industry context

Banking Industry Data Center

Public FDIC aggregate trends provide context for the bank-specific workspace. Annual structural data and quarterly QBP data are kept distinct.

Source: FDIC Historical Bank Data. Annual December 31 aggregate data. Loading latest available history…
Institutions
—
Latest year
Total assets
—
Latest year
Total deposits
—
Latest year
Net income
—
Annual
Equity / assets
—
Year-end balance ratio
Deposit growth
—
Year over year

Long-term banking trends

Use these as industry context—not as a substitute for bank-specific analysis.

Industry consolidation

Number of FDIC-insured commercial banks and savings institutions in the national aggregate.
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Assets and deposits

Year-end aggregate balance-sheet scale. FDIC Historical Bank Data values are reported in $thousands and converted here for display.
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AssetsDeposits

Annual asset and deposit growth

Year-over-year change in the national aggregate. Useful for identifying periods of balance-sheet acceleration or slowdown.
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Asset growthDeposit growth

Industry capitalization

Aggregate year-end equity divided by aggregate year-end assets. This is a book balance-sheet ratio, not a regulatory capital ratio.
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Quarterly banking performance

A current-performance lens kept separate from the annual structural history above.

Quarterly net interest margin

FDIC Quarterly Banking Profile annualized quarterly NIM for all FDIC-insured institutions and community banks. The series is seeded with official published values through Q1 2026.
Latest industry NIM
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All FDIC-insured institutionsCommunity banks

What the data is saying

Plain-English context generated from the same aggregate series shown above.

Industry trend readout

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Interpretation: This public section uses FDIC aggregate historical data for industry context. Annual data is not interchangeable with quarterly QBP data, and year-end balance ratios should not be described as regulatory capital measures or average-balance performance ratios. The authenticated application remains the bank-specific analytical workspace.