Glossary and FAQ

The product's own vocabulary

The five states

Breach, approaching, drifting, passed, not evaluated. The first four are positions against a published level or a direction of travel. The fifth is off the scale entirely — it never means passed.

Signal

One measure on one institution at one quarter, with its value, its basis, its status and its derivation. Signals are grouped into domains.

Domain

One of the eight analytical groupings on the institution view: capital, lending capacity, deposit franchise, liquidity structure, securities and rate, credit, earnings quality, efficiency and scale.

Basis line

The one-sentence statement under a reading: the value, the line it was tested against, and the document that publishes the line. Where the document names the subject but not the number, the line is called a screening line instead.

Data vintage

The reporting quarter a screen is computed from. It matches the call report an examiner would pull for the same period.

Group

A set of institutions you built — manually, by criteria, or by geography — that your readings compare against. Its definition travels with every figure it produces.

Ordered position

Your rank among the observed values in a group — "3 of 12". Custom groups report this rather than a percentile, because a percentile implies a distribution somebody published.

Trimmed average, theirs

FFIEC's published peer figure. They exclude the top and bottom 5% before averaging. It is an average, never a median, and it is never recomputed here.

Obligation

One item in the ledger, projected from a finding, an inquiry, a rule flag or a posture gap, carrying its own lifecycle. Nothing you click creates one and nothing closes one by clicking.

Indicator versus limit

Supervisory indicators mark where further analysis is warranted. They are not hard limits and not pass/fail lines.

Metrics and regulatory terms

CRE concentration

Non-owner-occupied commercial real estate — construction and development, multifamily, and non-owner-occupied nonfarm nonresidential — as a percentage of tier 1 capital plus the allowance for credit losses. The 300% level is a supervisory indicator, and it is conjunctive with a growth test.

C&D concentration

Construction and development loans as a percentage of tier 1 capital plus the allowance. 100% is the standalone supervisory indicator. There is no 80% warning band; that line was invented and has been removed.

36-month CRE growth (UBPRNL33)

Cumulative growth of non-owner-occupied CRE over the prior three years, as published by the FFIEC. The 50% level is the second, conjunctive leg of the CRE concentration test.

Tier 1 / CET1 / leverage ratio

Capital adequacy measures. Tier 1 and CET1 are risk-based — capital over risk-weighted assets. The leverage ratio is capital over average assets.

ACL

Allowance for credit losses — the reserve held against expected loan losses under CECL. It appears in the CRE denominator and in coverage ratios.

Nonaccrual / NPA / ACL coverage

Asset-quality measures: nonaccrual loans, total nonperforming assets (nonaccrual plus 90 days past due plus other real estate owned), and the allowance as a share of nonperforming assets.

Loan-to-deposit / uninsured / wholesale funding

Liquidity and funding measures — how loans are funded, how much of the deposit base is uninsured, and how much reliance sits on non-core funding.

Deposit beta

How much of a move in the benchmark rate passed through to deposit cost across an observed rate cycle. It is measured from what happened, not set as an assumption.

CAMELS

The examiner rating framework — capital, asset quality, management, earnings, liquidity, sensitivity. MDRM IQ does not compute, predict or estimate a CAMELS rating. It appears only where you record your own: the self-assessment workbook and the CAMELS page in Settings.

CBLR

Community bank leverage ratio — an optional framework that exempts qualifying institutions from risk-based capital rules. Where it is elected, those rules are suppressed rather than flagged, and the standard tested is 8%.

Key citations

Frequently asked

Why does a measure show Passed when the value looks high?

Many criteria are conjunctive, and all of them are indicators rather than limits. CRE is the clearest case: a high concentration alone is not a finding unless the 36-month growth leg is also met.

Do you read anything from my internal systems?

No. Everything is computed from public FDIC and FFIEC filings. You can optionally supply newer figures to the audit engine, or upload a loan portfolio to run loan-level rules — but the core reading needs nothing from you.

Does AI calculate or predict anything?

No. Every number, flag and threshold comes from one deterministic engine. AI writes narrative and answers scenario questions, and its output is re-scanned so it cannot contain a figure the engine did not produce.

Why might a number differ from my own report?

Usually the basis or the quarter. Open the inspector: it names every input and its source field, and shows computed against reported. Then confirm the data vintage matches the period you are comparing to.

What does “not evaluated” mean on a rule?

The filing did not carry an item the rule needs. The row names the missing items with their codes and schedules. It is not a pass, and it is not a failure.

Why can I not close an obligation?

Because a compliance record that can be cleared by clicking is a record whose absences mean nothing. You can confirm, dismiss, defer or acknowledge — and every one of those is appended, not applied.

How current is the data?

It follows the regulators' publishing cycle — quarterly for filings, annually for the Summary of Deposits. The vintage on each screen is the period it reflects.