# OptimaYield > OptimaYield publishes source-linked US bank regulatory facts, peer analytics, and reviewed intelligence derived from official FDIC and FFIEC filings. Data sources: FDIC BankFind Financials API, FFIEC Call Report, FR Y-9C, NIC, SEC EDGAR. Update frequency: quarterly, following each regulatory filing period; reviewed intelligence updates continuously. Coverage: US FDIC-insured depository institutions and their holding companies meeting the published coverage threshold (currently 4313+ institutions). License: https://www.fdic.gov/policies-and-disclaimers ## Core sections - [Bank directory](https://www.optimayield.com/banks): searchable, filterable list of covered institutions. Each institution links to a profile with reported financials, an 8-ratio peer-percentile comparison against its asset cohort, a 12/40-quarter peer-band history, ownership/transformation lineage with source timestamps and content hashes, and field-level evidence (source schedule, formula, unit, filing link) on every reported number - [Deposits](https://www.optimayield.com/deposits): deposit-risk tools for a bank's own CFO, treasurer, or ALCO analyst, source-linked to Call Report Schedules RI/RC-K/RC-E and the FDIC's own published National Rate. Live today: [Free Deposit Gap Report](https://www.optimayield.com/deposits/gap-report) (a three-page report on your own institution, sent by email), [Rate Watch](https://www.optimayield.com/deposits/rate-watch) (named same-county peers' real deposit-cost increases, quarter over quarter), [Cost and beta](https://www.optimayield.com/deposits/cost-and-beta) (effective deposit cost and deposit beta for any institution), [Yield Durability](https://www.optimayield.com/deposits/yield-durability) (deposit-category cost paired with repricing timing and a national-rate benchmark), and [Maturity Wall](https://www.optimayield.com/deposits/maturity-wall) (time deposits by remaining maturity). Rate Advisor (pricing recommendations) and Visibility (AI-answer-engine tracking) are explicitly not yet built, pending third-party data that does not exist publicly today - [Compare](https://www.optimayield.com/compare): side-by-side comparison of two to five banks (or bank holding companies), same reporting period and compatible field definitions, shareable via URL - [Rankings](https://www.optimayield.com/rankings): peer-ranked institutions by metric - [Deposit markets](https://www.optimayield.com/deposit-markets): institution-level annual deposit market share, year-over-year change, and multi-year state trends from official FDIC Summary of Deposits filings - [Screens](https://www.optimayield.com/screens): custom multi-metric institution screening - [Peer sets](https://www.optimayield.com/peers): aggregate reports for disclosed, reproducible peer-cohort methodologies (asset band, regulator, charter class, state) - [Custom peer sets](https://www.optimayield.com/peers/custom): hand-pick 2-20 institutions to build, save, share, and hand off a custom peer comparison to Compare, Screens, or Rankings - [Industry](https://www.optimayield.com/industry): a single-snapshot rollup of the whole published full-market bank universe -- total assets, deposits, and loans, plus the median of 8 key performance ratios for the same period - [Structure](https://www.optimayield.com/structure): official FDIC bank failure and assistance events, searchable by type, state, year, and institution, kept strictly separate from NIC ownership-structure transformations (no merger-as-failure reclassification) - [Bank holding companies](https://www.optimayield.com/holding-companies): $10B+ bank holding companies from FR Y-9C filings, with consolidated assets, equity, filing history, and a drill-down profile per company (each profile links its own controlled banks via NIC) - [Ownership](https://www.optimayield.com/ownership): current and historical parent-subsidiary relationships from the FFIEC National Information Center, with a disclosed, measured coverage percentage of the full archive - [Branch history](https://www.optimayield.com/branch-history): official FDIC branch-role events (openings, closings, relocations, transfer-related changes) plus an annual branch-location footprint by state and county - [Research](https://www.optimayield.com/research): reviewed quarterly analysis - [Intelligence](https://www.optimayield.com/intelligence): reviewed and published bank events, filing revisions, and cross-source explanations, with per-institution and detailed-event views. Routine branch administration and regulatory actions are not tracked here - [Alerts and monitoring](https://www.optimayield.com/monitoring): one governed feed for reviewed intelligence and revisions, ownership/NIC structure changes, new Call Report/FR Y-9C filing artifacts, deposit-market shifts, and asset-peer percentile migrations of 20+ points, all already reviewed or published - [Filings](https://www.optimayield.com/filings): unified search across Call Reports, FR Y-9C, SEC filings, NIC transformations, and official actions by institution or accession, plus a lookup inside verified normalized Call Report tables - [Data catalog](https://www.optimayield.com/data): full metric definitions and methodology - [Exports](https://www.optimayield.com/exports): immediate CSV/Excel bank-directory downloads (embedded field definitions, filters, units and source manifest) plus a machine-readable JSON schema manifest; large queued exports remain blocked pending authenticated storage - [Developers](https://www.optimayield.com/developers): the public v1 institution API (discovery, banks, periods) with a 60-requests-per-minute best-effort public quota and no key required, plus the legacy SEC filings and detailed intelligence endpoints it is migrating from - [Coverage](https://www.optimayield.com/coverage): exactly which fields, tiers, and entities are verified, partial, or not yet supported, with sourcing and limits - [Pricing and plans](https://www.optimayield.com/pricing): two separately priced products on one page — Deposits product tiers for bank CFOs, treasurers, and ALCO analysts (Free Report, Watch, Advisor, Franchise, plus a separately priced vendor/research access tier) and research-terminal account tiers (Public, Professional, Enterprise) for individual analysts and teams - [About](https://www.optimayield.com/about): why OptimaYield exists and how it approaches public US bank research - [Methodology](https://www.optimayield.com/methodology): how figures are derived and versioned - [Trust](https://www.optimayield.com/trust): data provenance, review process, and correction policy - [FAQ](https://www.optimayield.com/faq) - [Glossary](https://www.optimayield.com/glossary): plain-language definitions for US bank regulatory data and OptimaYield research ## Free tools for bank treasury, CFO, and ALCO staff Each tool is free, needs no key, is computed from FFIEC Call Report filings, and states its data source, limitations, and whether each number is filed, derived, or assumed. Tool index: [https://www.optimayield.com/tools](https://www.optimayield.com/tools); every tool's schema is also published as OpenAPI at [https://www.optimayield.com/api/v1/openapi.json](https://www.optimayield.com/api/v1/openapi.json). - [Net interest income rate-shock calculator](https://www.optimayield.com/tools/nim-rate-shock): Estimate how a Fed funds move changes a bank's loan yield, deposit cost, and net interest income, using its own filed pass-through history. Run it as JSON or CSV: [run](https://www.optimayield.com/api/tools/nim-rate-shock/run?certificate=); machine-readable input schema: [definition](https://www.optimayield.com/api/tools/nim-rate-shock) - [Margin capture report: loan beta versus deposit beta](https://www.optimayield.com/tools/margin-capture): Compare a bank's loan beta with its deposit beta and rank the spread against its asset-band peers, from FFIEC filings. Run it as JSON or CSV: [run](https://www.optimayield.com/api/tools/margin-capture/run?certificate=); machine-readable input schema: [definition](https://www.optimayield.com/api/tools/margin-capture) - [Maturity wall refinancing calculator](https://www.optimayield.com/tools/maturity-wall-refinancing): See how much of a bank's time deposits mature within a year and what rolling them over, or replacing what runs off, would add to interest cost. Run it as JSON or CSV: [run](https://www.optimayield.com/api/tools/maturity-wall-refinancing/run?certificate=); machine-readable input schema: [definition](https://www.optimayield.com/api/tools/maturity-wall-refinancing) ## Machine-readable resources - [MCP server](https://www.optimayield.com/api/mcp): remote MCP endpoint (stateless JSON-RPC over HTTP, no key) exposing every free tool above as a callable tool, for AI agents - [Tool index (JSON)](https://www.optimayield.com/api/tools): every tool with links to its definition, JSON Schema, and run endpoint - [Sitemap](https://www.optimayield.com/sitemap.xml): every public bank profile and metric page - [Organization / dataset structured data](https://www.optimayield.com): JSON-LD on every page (Organization, WebSite, Dataset) - Per-bank and per-metric pages carry their own Dataset/Article JSON-LD and unique metadata Each bank profile page (e.g. https://www.optimayield.com/banks/state-street-bank-and-trust-co-fdic-14), each metric research page (e.g. https://www.optimayield.com/metrics/cet1_ratio), and each reviewed research article (e.g. https://www.optimayield.com/research) is independently citable, with the specific filing period, calculation formula, or source evidence register stated on the page.