Transparency · methodology
Where does this data actually come from?
Every number MDRM IQ shows comes from a public regulatory filing or a figure a regulator published itself. No proprietary feeds, no scraped estimates, no vendor black boxes. If you cannot look it up in the same place we did, we do not show it.
The four public sources
All of it is public. MDRM IQ does not access, store or process confidential supervisory information, internal bank records or non-public examination findings — see below.
The fields we read
These are groupings of reported line items— the raw fields the metrics are computed from. Mnemonics are the regulators' own, so any figure can be traced back to the schedule it came from.
They are not the same thing as the platform's analytical domains, of which there are 8. Those are how the institution view organises what it reports; the groups below are what it reads. Each has its own read, its own provenance block and its own section on the institution view, and is named here beside the route segment it is served under:
Concentration risk
Non-residential RE (LNRENRES), multifamily (LNREMULT) and construction & development (LNRECONS) measured against Tier 1 capital plus the allowance for credit lossesper SR 20-8 / FIL-31-2020 / FFIEC UBPR3792. CRE concentration is (non-residential RE + multifamily + C&D) ÷ (Tier 1 + ACL) × 100.
Capital adequacy
Tier 1 capital (RBCT1), CET1, total risk-based capital ratio (RBCRWAJ), leverage ratio and risk-weighted assets (RWAJ). Thresholds follow the Basel III well-capitalized standards adopted by the U.S. banking agencies (12 CFR 324, 12 CFR 3).
Asset quality
Nonaccrual assets (NAASSET), noncurrent loans (P3ASSET), ACL coverage, OREO balances and net charge-off rates.
Liquidity
Total deposits (DEP), estimated uninsured deposits (DEP − estimated insured deposits, DEPINS / RC-O Mem 2 RCON5597), brokered deposits (BRO), loan-to-deposit ratio, FHLB borrowings, wholesale funding dependency and core deposits.
Earnings
Return on assets (ROA), net income (NETINC), interest income (INTINC), interest expense (INTEXP), net interest margin, provision expense and the efficiency ratio.
Interest-rate sensitivity
Available-for-sale unrealized gains and losses (signed, with the AOCI opt-out treated separately), fixed-rate concentrations, and repricing detail from the call report's maturity and repricing schedules.
Update frequency
Every insured institution files quarterly, and the agencies publish roughly 45 days after each quarter end. MDRM IQ loads a quarter as soon as it is published, and every surface names the quarter it is reading.
The rules engine
The Audit Engine is deterministic: 50 rules per institution, of which 36 fire from the filed figures alone and 14 are attestation rules answered by a named human. Every rule maps to a published citation — FIL-104-2006 / SR 07-01 (71 FR 74580) for CRE concentration, 12 CFR 324 for capital adequacy, and so on. No rule is AI-driven; each is a threshold comparison you can check by hand.
Rule behaviour has been backtested over ten years of historical filings — 197,400 institution-quarters, with 20 rules ported into the study and scored — measuring hit rate, lift over the base rate, and lead time.
The outcome measured was bank failure, taken from the FDIC's published failed-bank list, and nothing else. It is not an enforcement study and the lift figures are not enforcement correlations. Failure is a real and severe outcome, but it is also a rare and lagging one: most of what an examiner finds never becomes a public event of any kind, so a hit count is a floor rather than a truth, and a rule that passed should be read as “trust this one more than that one” rather than “this rule is right”. Where a rule performed poorly, that is recorded rather than hidden.
How position is reported
There is no single 0–100 composite. The regulator issues no readiness score, so MDRM IQ reports the deterministic facts — which signals are in breach, approaching, drifting, passed or not evaluated; where the institution sits against its published peer group; and which way the series is moving — and leaves the judgement to you.
AI-generated content
MDRM IQ uses Anthropic's Claude to write briefs, narratives and news analysis. Those outputs are labelled and are informational only: they synthesise figures already computed and shown elsewhere on the page. Generated text may not introduce a number that is not in its input — the report path refuses to generate rather than fill a gap with a plausible figure.
Regulatory news
Agency feeds are polled hourly and tagged by source: the Federal Reserve, FDIC, OCC, CFPB, FinCEN and NCUA, plus industry publications. The public enforcement register is narrower on purpose and states its own coverage on the page: it holds the actions the OCC and the Federal Reserve publish in machine-readable form. The FDIC publishes no such register, so for an FDIC-supervised bank an empty result is not evidence of a clean record — and the page says so rather than letting silence read as an answer.
Against interest
What is never in here
MDRM IQ works exclusively with public data. These categories are never accessed, stored or used:
- ×Internal CAMELS ratings assigned by examiners
- ×Classified asset reports and internal loan reviews
- ×Confidential supervisory information from any regulator
- ×Examination findings, MRAs or MRIAs
- ×Board minutes, internal policies or strategic plans
And what the platform will not do: MDRM IQ is an informational tool, not a decision-making tool. It does not predict examination outcomes, does not assign or estimate CAMELS ratings, and does not prescribe actions. AI-generated content is informational and is not advice. For compliance decisions, consult qualified regulatory counsel.
Sources: FFIEC CDR · FDIC BankFind · FFIEC published UBPR · FDIC Summary of Deposits — all public