Last refresh: 2026-11-13T23:09:38Z (0 days ago). Latest FDIC report date: 2026-06-30. FDIC data build: risview_20260819185831 (created 2026-08-19T18:58:33Z). Banks: 4313. Methodology v1.0.0.
We recompute ratios that FDIC also publishes and compare them for every bank, every refresh.
| Check | Banks tested | Passed | Pass rate | Tolerance |
|---|---|---|---|---|
| loan_to_deposit_vs_FDIC_LNLSDEPR | 4255 | 4255 | 100% | ±0.05 pct pts |
| noncurrent_ratio_vs_FDIC_NCLNLSR | 4223 | 4223 | 100% | ±0.05 pct pts |
| total_rbc_ratio_vs_FDIC_RBCRWAJ | 2482 | 2482 | 100% | ±0.05 pct pts |
| Bank | Check | Result |
|---|---|---|
| JPMorgan Chase Bank (#628) | total assets > $3T | pass — 4.09T |
| JPMorgan Chase Bank (#628) | loan-to-deposit 40-70% | pass — 54.4% |
| Bank of America (#3510) | HTM unrealized loss > $10B (known large HTM book) | pass — 82.1B |
| Flagstar Bank (ex-NYCB) (#32541) | CRE concentration > 300% (known CRE-heavy) | pass — 332% |
| Citibank (#7213) | uninsured deposit share > 60% (known wholesale funding) | pass — 82.5% |
| risk_score | 4309 |
| uninsured_deposit_share | 4242 |
| cre_concentration | 4296 |
| construction_concentration | 4296 |
| unrealized_loss_to_tangible_equity | 4294 |
| htm_adjusted_tangible_equity_ratio | 4296 |
| loan_to_deposit | 4255 |
| noncurrent_loan_ratio | 4223 |
| npa_to_assets | 4313 |
| nim | 4313 |
| roa | 4313 |
| total_rbc_ratio | 2482 |
| leverage_ratio | 4296 |
| total_assets_usd | 4313 |
JSON: /v1/status
Data: FDIC BankFind Suite (public Call Report data). Derived metrics are informational only and are not investment, credit or legal advice. Open methodology v1.0.0. Terms & refunds · llms.txt · OpenAPI · x402