idlidu finance

Methodology

methodology_version 2026.09.0. Formulas and peer cuts bump this version when they change.

Disclaimer. This product is not a credit rating and is not an official FDIC or FFIEC publication. Series are derived from public call-report distributions and institution metadata. Limitations include filing lags, form-map risk, and a capped early universe.

Core metrics (shipped)

metric_id Formula
npl_ratio (past_due_90_plus + nonaccrual) / gross_loans
roa net_income / total_assets (EOP proxy)
loan_growth_yoy (gross_loans_t / gross_loans_t−4q) − 1

Interim FDIC path: until FFIEC PWS bulk is automated, live ingest uses FDIC banks/financials. There NCLNLS maps to past-due with nonaccrual=0, so published npl_ratio is approximately NCLNLS / LNLS. See repo METHODOLOGY-DRAFT.md / SOURCES.md.

Peer sets

Primary peer set is asset-size bucket at period_end (total assets). Optional query filter: state. Percentiles use a midrank empirical rank within the peer set.

peer_set_id Total assets
us.size.lt_1b< $1B
us.size.1b_10b$1B – < $10B
us.size.10b_50b$10B – < $50B
us.size.50b_250b$50B – < $250B
us.size.ge_250b≥ $250B

Conditions index

conditions.us.asset_quality.npl.p50_by_size_bucket — median npl_ratio by size bucket per period. Transparent distribution series only; no opaque score.

Unauthenticated discovery is /v1/public/sample/... only (no key) — e.g. GET /v1/public/sample/index for latest period points on finance-api.idlidu.com. GET /v1/banks, metrics, peers, and full index history require an API key (Growth+ for full index history).

Point-in-time / vintages

Initial publish uses vintage=initial. Remaps or resubmissions write a new vintage; prior points remain queryable. Every point carries methodology_version.

Sources