Frequently Asked Questions
How many banks does PlainBankData cover?
PlainBankData covers 4,300+ FDIC-insured banks and savings institutions, every commercial bank, savings bank, and savings association that files quarterly Call Reports with the FDIC.
Where does the bank financial data come from?
All data comes from FDIC Call Reports, quarterly regulatory filings that every insured institution must submit. This is the same data used by bank regulators, analysts, and rating agencies.
How are the A–F safety grades calculated?
Grades are a composite of three pillars from Call Report data: capital adequacy (Tier 1 ratio, risk-based capital), profitability (ROA, net interest margin), and risk indicators (Texas Ratio, non-performing loan ratio). The composite score is then mapped to letter grades relative to the industry distribution.
What is the Texas Ratio?
The Texas Ratio measures a bank's credit problems relative to its capital and reserves. It's calculated as non-performing assets divided by (tangible equity + loan loss reserves). A ratio above 100% is historically associated with elevated failure risk. The metric was developed during the Texas banking crisis of the 1980s.
How often is the data updated?
The FDIC releases updated Call Report data quarterly, typically 45–60 days after each quarter ends. We update PlainBankData when new quarterly data is published.
Does a low grade mean my bank is about to fail?
No. Health grades reflect past financial data, not a prediction of future events. A lower grade indicates weaker financial metrics relative to peers, which warrants attention, but is not a failure prediction. FDIC insurance protects deposits up to $250,000 per depositor per institution regardless of grade.
Is PlainBankData affiliated with the FDIC?
No. PlainBankData is an independent data portal presenting publicly available FDIC data in a more accessible format. We are not affiliated with the FDIC or any government agency.