Frequently Asked Questions

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.

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.

Grades are a 0-100 composite score from four weighted Call Report metrics: Tier 1 Capital Ratio (40 points), Return on Assets (25 points), Texas Ratio (20 points), and Efficiency Ratio (15 points). Each metric earns points on a fixed tier schedule (better ratios earn more points, up to that metric's maximum); there is no baseline or subtraction. The composite score then maps to a fixed letter-grade scale: A at 80+, B at 65+, C at 50+, D at 35+, F below 35. See our methodology page for the exact point tiers.

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.

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.

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.

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.