Data through Q2 2026 · 4,313 institutions
OptimaYield
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Data through Q2 2026 · 4,313 institutions

Trust architecture

Know where every
number came from.

OptimaYield is designed around evidence lineage: original regulatory records remain immutable, derived metrics are versioned, and corrections never erase history.

01

Acquire

Pull official Call Report, UBPR, BankFind, and Summary of Deposits releases. Record source URL, retrieval time, release date, hash, and schema version.

02

Preserve

Store raw files unchanged in object storage. Every normalized fact points back to its batch, institution, period, form, schedule, and source field.

03

Normalize

Resolve FDIC certificate, RSSD ID, legal entity history, mergers, branches, and holding-company relationships without rewriting old identities.

05

Validate

Run row counts, balance checks, cross-source reconciliation, revision detection, outlier review, and quarter-completeness gates before publication.

06

Publish

Expose a timestamped semantic layer to pages, exports, alerts, and APIs. If evidence is incomplete or conflicting, the product abstains.

Review status

What "reviewed" and "published" mean

  • Draft / pending review: machine-generated or candidate material that has not cleared review. It is never shown on public pages, feeds, or alerts.
  • Reviewed: the evidence, identity links, and wording have been checked and the item is marked reviewed in the intelligence pipeline, so it is eligible to appear on public pages such as the monitoring feed.
  • Published: the item is marked published and released publicly with its source artifacts, content hash where one exists, and revision history attached.

Only items already marked reviewed or published appear in public feeds; nothing in a draft or pending-review state reaches them.

After publication

Publication is not the end of review. If a published fact, link, or metric is challenged or found wrong, the original evidence is preserved and the affected output is updated without deleting prior evidence. Read how OptimaYield separates sourced, derived, candidate, and reviewed information and how corrections and institution challenges are handled.

Change detection

What counts as a "Notable" change

  • Recent: the change falls within the last 4 quarters.
  • Relative size: at least 1% of the institution's total deposits (total assets for non-deposit measures).
  • Absolute size: at least $5 million.

A change is marked Notable only if it occurred within the last 4 quarters, is at least 1% of the institution's total deposits (total assets for non-deposit measures), and is at least $5 million. Changes that fail any test are kept in the record as routine. Ratio, rank and branch-count changes have no dollar size, so only the 4-quarter window applies to them. Anything that does not meet all of these tests stays in the record and on the institution's history page, labelled informational rather than Notable. "Material" is a stricter tier of Notable and is subject to the same tests.

Live source contract

What is live today

  • Coverage: 4,313 current institutions across the full FDIC-insured universe.
  • Periods: 42 quarterly releases from Q1 2016 through Q2 2026; current comparisons use Q1 2026 when the bank qualifies in both periods.
  • Fields: ASSET, DEP, LNLSNET, ROA, ROE, NIMY.
  • Evidence: full FDIC source archives remain immutable; the asset threshold applies to normalized publication.
  • Profiles: current bank profiles use the published catalog and source-linked reported history.
  • Limits: crossing below the threshold removes a bank-period from the public comparison universe.
Open FDIC API docs ↗