Consumer Financial Intelligence

What call reports
don't tell you.

A consumer intelligence platform built on 550,404 bank-quarters of FDIC data, 14.77 million CFPB complaints, and 4.49 million HMDA mortgage applications. Early warning. Fair lending. Complaint intelligence.

Explore Watchlist Look up a bank
0Banks monitored
0.000Early warning AUC
0.0%Merger complaint increase
0.000Industry median Black OR
Key Findings

Three lenses. One picture.

Each module answers a distinct question about bank health that no single regulatory dataset answers alone.

0.804
Early Warning Model
Out-of-sample AUC on a temporally embargoed holdout spanning Q3 2020 to Q4 2025. 100-fold Precision@50 lift over base rate. Texas Ratio dominates SHAP attribution.
Explore
+11.8%
Merger Complaint Surge
DiD estimate (p = 0.014) attributing 11.8% log-complaint increase to the 2019 BB&T/SunTrust merger. 73.1% concentrated in checking and savings accounts.
Explore
0.539
Fair Lending Gap
Industry median Black-White adjusted mortgage approval OR across ten institutions. Range: 0.456 to 0.713. Hispanic OR indistinguishable from parity at most institutions.
Explore
Methodology

No proprietary data.
No special access.

Every result is fully reproducible from public regulatory data — FDIC Statistics on Depository Institutions, CFPB Consumer Complaint Database, FFIEC HMDA, and FRED. The full pipeline from ingestion to model artifacts is open source.

FDIC SDICFPB ComplaintsFFIEC HMDAFREDXGBooststatsmodelsBERTopic
550,404
bank-quarters
14.77M
CFPB complaints
4.49M
HMDA applications
9,820
unique institutions
Model Transparency

SHAP feature attribution.

TreeSHAP values from the XGBoost early warning model. The Texas Ratio dominates — 2.14 mean absolute SHAP, more than twice any other feature.

Texas Ratio
2.142
Return on Assets
0.976
CRE Concentration
0.808
Tier 1 Leverage
0.591
Loan-to-Deposit Ratio
0.569
Texas Ratio (QoQ)
0.188
NIM (QoQ)
0.171
Live Lookup

Search any U.S. bank
by CERT number.

Full Texas Ratio trajectory, asset history, and distress probability from our XGBoost early warning model.

Open Bank Lookup