AuditPoint Institutional Intelligence Platform

AuditPoint Intelligence

U.S. Banks.

FDIC Bank Intelligence

Every FDIC-insured institution scored across capital adequacy, asset quality, earnings, liquidity, and regulatory standing. Built from quarterly Call Reports, enforcement action records, and CRA examinations. Built for lenders, PE firms, and bank M&A advisors.

3,794
Banks scored
$18T
Deposits tracked
1.13M
Quarterly records
1992
History from
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The Data

Four federal datasets.
One bank health score.

The FDIC, FFIEC, and Federal Reserve publish bank financial and regulatory data across four separate programs. None of them produce a composite score. AuditPoint ingests all four, joins them at the institution level by FDIC certificate number, and produces a single scored intelligence record per bank.

The result: a complete capital, asset quality, earnings, liquidity, and regulatory profile for every active FDIC-insured institution — updated quarterly following Call Report publication.

01
FDIC Call Reports
Quarterly financial statements filed by every FDIC-insured institution. Capital ratios, loan quality, earnings, liquidity — the primary spine of the Bank Health Score. 1,131,904 quarterly records from 1992 to present.
Federal
02
FDIC Enforcement Actions
All formal enforcement actions — consent orders, cease and desist orders, civil money penalties, removal/prohibition orders. 10,841 total actions. Active enforcement status flags the regulatory standing component.
Federal
03
FFIEC CRA Ratings
Community Reinvestment Act examination ratings. CRA ratings below Satisfactory constrain M&A activity and branch expansion — a material deal risk factor most diligence processes underweight. 83,093 ratings from 1990.
Federal
04
FDIC Summary of Deposits
Annual branch-level deposit data. 76,120 branches, $18T in total deposits. Used to assess franchise footprint, deposit market share concentration, and geographic risk exposure.
Federal

Intelligence Signals

What the Call Reports reveal.

Capital
Tier 1 Capital Ratio
The primary regulatory capital measure. Well-capitalized threshold is 8%. Banks approaching 6% face regulatory scrutiny. Banks below 4% are undercapitalized under FDIC prompt corrective action rules — the clock is running.
FDIC Call Reports · Quarterly
Asset Quality
Noncurrent Loan Ratio
The percentage of loans 90+ days past due or on nonaccrual status. A rising noncurrent ratio is the earliest financial signal of credit deterioration — it precedes charge-offs and capital impairment by 2–4 quarters.
FDIC Call Reports · Quarterly
CRE Risk
CRE Concentration
Commercial real estate loans as a percentage of equity capital. The FDIC/OCC informal threshold is 300% — banks above this level receive heightened supervisory scrutiny. Many community banks exceed 400–500%.
FDIC Call Reports · Quarterly
Earnings
Return on Assets
Net income as a percentage of average total assets. The primary profitability benchmark. Every bank currently in WATCH or STRESSED tier is operating at a loss — negative ROA is the defining characteristic of financially stressed institutions.
FDIC Call Reports · Quarterly
Liquidity
Uninsured Deposit %
The percentage of deposits above the $250K FDIC insurance limit. SVB's failure demonstrated that high uninsured deposit concentrations create run risk that standard liquidity metrics don't capture. Banks above 50% warrant elevated scrutiny.
FDIC Call Reports · Quarterly
Regulatory
Active Enforcement Actions
Banks under active FDIC consent orders or cease and desist orders face operational restrictions that Call Report financials don't reflect. Active enforcement status is a −30 point penalty in the regulatory standing component.
FDIC Enforcement Actions · Monthly

The Score

Bank Health Score

A 100-point composite bank health score. Higher scores indicate financially stronger, more stable institutions. Five components weighted by their predictive value for regulatory action and financial distress. Methodology fully disclosed.

Strong · 80–100
Well-capitalized. Clean regulatory record. Profitable. No material stress signals.
Adequate · 60–79
Within norms. No material flags. One or more metrics slightly below peer median.
Watch · 40–59
One or more stress indicators. Elevated monitoring warranted. May include active enforcement, negative ROA, or elevated noncurrent loans.
Stressed · 0–39
Multiple stress signals firing simultaneously. Highest risk tier. Every current STRESSED institution is operating at a loss.

Bank Health Score and risk tiers (STRONG / ADEQUATE / WATCH / STRESSED) are AuditPoint derived analytical outputs — not official FDIC designations. All government source inputs are disclosed alongside every metric.

Score Components

Capital Adequacy
Tier 1 risk-based capital ratio vs. regulatory thresholds. Well-capitalized = >8%.
25%
Asset Quality
Noncurrent loan ratio, net charge-off rate, and CRE concentration vs. equity.
25%
Earnings
Return on assets and net interest margin vs. peer median.
20%
Liquidity
Loan-to-deposit ratio and uninsured deposit concentration.
15%
Regulatory Standing
Active enforcement action flag and FFIEC CRA examination rating.
15%

Who Uses It

Built for bank M&A and credit decisions.

M&A Advisory
PE Firms & Bank Advisors
Screening community bank acquisition targets before engagement. Identifying financially healthy banks in attractive markets with acquisition premiums. Flagging CRA and enforcement liabilities pre-LOI.
Screen all TX community banks under $1B for Bank Health Score, Tier 1 ratio, and CRA rating
Flag active enforcement actions as M&A impediments before engagement
Identify banks with CRA ratings below Satisfactory — deal risk most processes miss
Credit & Counterparty
Lenders & Credit Officers
Sizing counterparty exposure to bank financial health. Monitoring correspondent banking relationships for deteriorating scores between annual reviews.
Score counterparty banks before extending credit facilities
Monitor community bank portfolio for Tier 1 ratio compression quarterly
Identify banks with simultaneous negative ROA and active enforcement
Research & Analysis
Researchers & Journalists
Accessing assembled, scored bank financial data without requiring Bloomberg terminal access or FDIC data engineering expertise. State-level and MSA-level analysis available.
Identify the most financially stressed banks in a specific state or MSA
Analyze CRE concentration trends across community banks in agricultural markets
Track enforcement action volume and termination rates over time

Sample Findings · June 2026

What 3,794 banks tell us.

Sourced directly from FDIC Call Reports and enforcement records. Verifiable. Citable.

Profitability
100%
of banks in the WATCH and STRESSED tiers are currently operating at a loss. Negative ROA is the defining characteristic of every financially stressed institution in the dataset.
FDIC Call Reports · Q4 2025
Active Stress
71
active U.S. banks currently rated WATCH or STRESSED on FDIC Call Report data alone. Flagstar Bank ($87.5B) is the largest — posting losses every quarter since Q1 2024.
FDIC Call Reports · June 2026
Consolidation
14,475
FDIC-insured institutions existed in Q1 1992. Today: 4,408. A 70% reduction in 33 years — the ongoing consolidation of US community banking is measurable in the data.
FDIC Call Reports · 1992–2025
Case Study · Flagstar Bank, National Association · $87.5B Assets
Six-Quarter ROA Trajectory — The NYCB/Signature Acquisition Impact
Q1 2023
+7.58%
NC: 0.84%
Q3 2023
+3.22%
NC: 1.11%
Q4 2023
+0.00%
NC: 1.44%
Q1 2024
−1.08%
NC: 1.68%
Q3 2024
−0.99%
NC: 4.48%
Q4 2025
−0.14%
NC: 5.27%

Request bank intelligence.

Institution-level Bank Health Score reports, portfolio screening, and custom state or MSA-level analysis available on inquiry. No subscription required — per-decision pricing.

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CoverageAll 50 states · All active FDIC institutions
Institutions scored3,794
Quarterly records1,131,904 (1992–2025)
Refresh cadenceQuarterly (Call Reports) · Monthly (Enforcement)
Current vintageFDIC Q4 2025 · Enforcement June 2026
Pricing modelPer-decision · No subscription
Contactinquiries@auditpoint.ai