How do I compare US banks on OptimaYield?

Use period-matched peer cohorts, rankings, custom comparisons, and explicit metric definitions.

Where does OptimaYield's bank data come from?

Official FDIC, FFIEC, Federal Reserve, SEC, NIC, and enforcement sources with retrieval and lineage details.

Is OptimaYield free to use?

Public research is free during the founding year. An account is not required to browse bank facts.

What does 'reviewed intelligence' mean, and how is it different from raw filing data?

Reviewed intelligence is a detected change (a branch event, revision, or regulatory action) that has passed human review before publication. Nothing is published until a person reviews it: an event stays queued, not shown, until then. An empty reviewed feed can be the correct result, not a bug.

Why are some foreign banks excluded from the Top Movers and leaderboard panels?

Institutions carrying FDIC charter class NC or OI are foreign banks' uninsured or insured US wholesale branches. Their reported assets track their global parent's funding decisions, not organic US business growth, which produces misleading quarter-over-quarter swings. They are excluded only from these ranking/trajectory panels and remain fully visible in the bank directory, search, and their own profile pages.

How are peer cohorts built for percentile comparisons?

Peer cohorts use a disclosed, reproducible methodology (asset band, regulator, charter class, or state), computed from the same period-matched membership tables used across the site, not an ad hoc grouping chosen per page.

How often is OptimaYield's data updated?

Core financial data refreshes quarterly, following each regulatory filing period. Reviewed intelligence (events, revisions, regulatory actions) is published continuously as items clear human review.

Call Report data through Q2 2026 · 4,313 institutions compared

Understand funding costs before the next decision.

Source-linked deposit costs, time-deposit maturities and explicit funding scenarios for bank CFOs, treasurers and ALCO analysts.

Get your free Deposit Gap Report →Explore the research terminal →

Illustrative example, not institution data: Riverbend Community Bank, $1.2B (fictional)

A nearby competitor raised its 12-month CD rate from 4.35% to 4.75% on day 30. Riverbend's posted rate is unchanged.

Same county, comparable term

Why it matters: this term makes up a meaningful share of Riverbend's CD book coming up for renewal in the next quarter.

Projected CD balance if unmatchedNext 90 days · indexed to today = 100

today+15d+30d+45d+60d+75d+90d

See what this looks like for your institution →

01AI-assisted detection

Continuously scans new filings and flags what changed, before any human reads them.

02Human review

A reviewer verifies every candidate signal. Nothing publishes until it clears review; nothing is auto-published.

03Evidence-linked

Every published claim links back to the exact source filing, formula, and period behind it.

Institutions covered

4,313

Published comparison universe

FDIC BankFind · Q2 2026

Quarterly periods

Available in the catalog

Explicit missing values

Covered assets

$26.8T

Current reported total

USD trillions

Reviewed intelligence

—

Coverage unavailable

Published only after review

Reviewed intelligence

—

Loading reviewed items

Published only after review

Data period

Q2 2026

All figures period-matched

FDIC BankFind Financials API

Top movers: fastest QoQ asset growth

quarterly

No comparable QoQ movers yet

Fewer institutions than the minimum comparable cohort cleared this quarter's threshold. No estimate is substituted.

See full rankings instead →

Loading top movers…

Largest insured banks

quarterly

#	Institution	Assets	ROA	NPL
1	JPMORGAN CHASE BANK NA	$4.09T	1.59%	0.78%
2	BANK OF AMERICA NA	$2.65T	1.13%	0.65%
3	CITIBANK NATIONAL ASSN	$1.98T	1.06%	0.66%
4	WELLS FARGO BANK NA	$1.91T	1.38%	1.04%
5	GOLDMAN SACHS BANK USA	$0.76T	1.21%	1.04%

Loading…

Open full rankings →

Peer positioning by size band

quarterly

Median condition ratio by institution size band, current period. n is the number of banks with a reported value in that cell.
Size band	Noncurrent loans	Brokered deposits	Loans / deposits	CRE / capital
Under $10B	0.52%n=887	1.62%n=890	88.14%n=890	297.01%n=659
$10B–$50B	0.68%n=106	3.23%n=107	87.01%n=107	278.57%n=106
$50B–$250B	0.85%n=33	6.32%n=33	84.83%n=33	161.86%n=33
$250B+	0.76%n=18	4.75%n=18	61.32%n=18	47.65%n=18

Industry leaderboard: 5-year trajectory, indexed asset growth

Who has compounded fastest over the full window, not just this quarter; see Top movers above for that. Top 10 by assets shown by default; toggle re-ranks instantly from data already on the page.

auto

Loading historical series for the top 50 institutions…

Screens: start here

pre-built

featured this weekElevated noncurrent-loan ratios105 banks →Heavy brokered-deposit reliance105 banks →Strongest liquidity positions106 banks →Stretched loan-to-deposit funding105 banks →Build a custom screen →

Corrections & what’s new

rollingNo open corrections right now — see how corrections work →

as shippedNew: Loan modification detail (IA-26) — explore →

Loading…

Where the median peer sits: loan delinquency percentiles

auto

BANK OF AMERICA NA vs. its $250B+ assets peer cohort (18 institutions), by loan category

Residential First Lien

41st percentile

0th50th100th

1.57% vs. median 1.86% · n=17

Residential Junior Lien

59th percentile

0th50th100th

2.99% vs. median 2.23% · n=17

Multifamily

24th percentile

0th50th100th

0.44% vs. median 0.69% · n=17

Computing live peer-cohort position…

Find your institution

See your filed ratios and how you rank against real peers.

Find your bank →

Know your deposit costs

Effective cost and beta from your own Call Report, with the filing behind each figure.

See cost and beta →

Prepare for ALCO

Maturity wall, funding scenarios and a board-ready peer comparison.

See the maturity wall →

Also used by advisors, vendors and developers: Compare, Screens and the API.

Start a real research question

Answers with a visible evidence trail.

OptimaYield organizes public regulatory data without claiming confidential knowledge or turning screening signals into regulatory ratings. Three places to start:

Which banks are actually comparable to mine?: Build a custom screen on asset size, state, charter class, or primary regulator, or start from a pre-built one. Every screen runs against the same period-matched membership tables used everywhere else on the site. Build a screen →
Is a bank’s asset growth real, or funding noise?: The industry leaderboard and Top Movers already exclude foreign banks’ US wholesale branches, whose reported assets track a global parent’s funding decisions, not organic growth. See the rankings →
How do I put two banks side by side with sources attached?: Every comparison carries its metric definitions and source filings next to the numbers, nothing unlabeled. Compare banks →