Bank Workbench · BankRegWire

BANK WORKBENCH

Seven instruments for reading, screening, and building a bank from the supervisory record: a curated CAMELS line-map, the literal call report form, a live health scanner, an M&A partner screen, a full pro forma merger model, an interest rate risk screen, and a de novo charter application workbench.

Tools 07 Source FDIC · FFIEC · OCC Filed from Arlington, VA Feed nominal

01 / Reference

CAMELS Line-Map

The roughly thirty-two call report lines that actually move a rating, grouped by CAMELS component, each with what it conveys and the signal to read.

CAMELSLine-MapOffline

Open file →Offline

02 / Form

Literal Call Report Viewer

Seven schedules line by line with verbatim item numbers and MDRM codes. Upload a CDR file to fill it with a bank's actual figures, including the RC-B amortized-cost versus fair-value gap. Parsing stays in the browser.

MDRMRC · RI · RC-RCDR Upload

Open file →Offline

03 / Scanner

Bank Health Scanner

Search a bank, pull eight quarters of FDIC financials, and render a CAMELS dashboard with deltas, sparklines, threshold flags, CET1, and a peer benchmark.

FDIC APIEight QuartersPeer Benchmark

Open file →FDIC API

04 / Screen

M&A Partner Finder

Pick a bank, choose acquirer or target, and screen the FDIC universe by geography, size, deposit fit, and health. Compare any candidate as a quick pro forma with threshold-crossing flags.

FDIC APIPro FormaThreshold Flags

Open file →FDIC API

05 / Model

Pro Forma Merger Model

Combine two banks with full purchase accounting: goodwill, fair-value marks, the CECL day-two provision, and a recomputed capital stack. Set price against industry deal multiples, model the stock and cash mix and how the cash is funded, and read ROA, ROE, ROTCE, capital, and the TBV earnback.

FDIC APIPurchase AccountingEarnback

Open file →FDIC API

06 / Screen

Interest Rate Risk Screen

Lay out the repricing ladder and the behavioral assumptions no filing carries: deposit betas, core-deposit duration, prepayment. The screen runs earnings at risk and economic value of equity under parallel shocks and the Basel six, with the supervisory outlier test and an AFS and HTM capital lens.

IRRBBEVE & NIIBasel six

Open file →Offline

07 / Console

Charter Console

Set the charter type, build the organizing group, and size the capital plan, and the console drafts a first pass at an OCC de novo national bank application: the cover and overview, a business plan scaffold built to the Business Plan Guidelines, and the capital and management pieces, under 12 CFR 5.20.

12 CFR 5.20De NovoOCC

Open file →Offline

// on the wiring

The line-map, literal form, rate-risk screen, and charter console run entirely offline; nothing leaves the browser. The scanner, partner finder, and merger model read the FDIC API through a Cloudflare Worker that handles CORS and caches for an hour, mapping /api/* straight to banks.data.fdic.gov/api/*. FDIC figures lag roughly thirty to sixty days after quarter-end.

The partner finder's quick pro forma sums reported balances and asset-weights capital ratios and ROA. The merger model goes further, applying the acquisition method in full: goodwill, fair-value marks, the CECL day-two provision, and a recomputed capital stack, with the price multiple, the stock and cash mix, and the cash funding source as levers. Both set charter, ownership, and antitrust concentration aside. These are screening and education tools, not investment, legal, or supervisory advice.

The rate-risk screen is input-first rather than API-seeded. The granular repricing ladder is not exposed cleanly by the FDIC feed, and a bank’s deposit betas and core-deposit durations live only inside its own ALM system, so you enter the ladder and the behavioral assumptions and stress them directly: earnings at risk, economic value of equity, the Basel six, and the supervisory outlier test.

The charter console assembles a populated first draft of an OCC de novo national bank application from the charter type, the organizing group, and the capital plan, scaffolded to the Business Plan Guidelines and 12 CFR 5.20. It is a drafting aid, not a filing.