{"schema_version":"1.1.0","calculation_version":"v7.1-integrity","snapshot_id":null,"report_period":null,"retrieved_at":"2026-11-03T04:10:31.015Z","source_updated_at":null,"source_urls":[],"sources":[],"source_complete":false,"warnings":[],"data":{"metrics":[{"key":"ASSET","label":"Total assets","shortLabel":"Assets","group":"Scale & growth","format":"currency","direction":"context","description":"Total assets reported by the institution, shown in dollars.","source_fields":["ASSET"],"unit":"USD_thousands","scale":1000,"display_unit":"USD","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"FDIC reported ASSET; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"ASSET_GROWTH","label":"Asset growth","shortLabel":"Asset growth","group":"Scale & growth","format":"percent","direction":"higher","description":"Year-over-year change in total assets.","source_fields":["ASSET"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"same_certificate_year_over_year","formula":"(current ASSET - prior-year ASSET) / abs(prior-year ASSET) * 100","null_rules":["Current or prior-year source value absent or non-finite","Prior-year report absent","Prior-year denominator is zero"]},{"key":"LOAN_GROWTH","label":"Net loan growth","shortLabel":"Loan growth","group":"Scale & growth","format":"percent","direction":"higher","description":"Year-over-year change in net loans and leases.","source_fields":["LNLSNET"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"same_certificate_year_over_year","formula":"(current LNLSNET - prior-year LNLSNET) / abs(prior-year LNLSNET) * 100","null_rules":["Current or prior-year source value absent or non-finite","Prior-year report absent","Prior-year denominator is zero"]},{"key":"DEPOSIT_GROWTH","label":"Deposit growth","shortLabel":"Deposit growth","group":"Scale & growth","format":"percent","direction":"higher","description":"Year-over-year change in total deposits.","source_fields":["DEP"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"same_certificate_year_over_year","formula":"(current DEP - prior-year DEP) / abs(prior-year DEP) * 100","null_rules":["Current or prior-year source value absent or non-finite","Prior-year report absent","Prior-year denominator is zero"]},{"key":"ROA","label":"Return on assets","shortLabel":"ROA","group":"Profitability","format":"percent","direction":"higher","description":"Annualized net income as a percentage of average assets.","source_fields":["ROA"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"annualized_as_reported","formula":"FDIC reported ROA; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"ROE","label":"Return on equity","shortLabel":"ROE","group":"Profitability","format":"percent","direction":"higher","description":"Annualized net income as a percentage of average equity.","source_fields":["ROE"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"annualized_as_reported","formula":"FDIC reported ROE; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"NIMY","label":"Net interest margin","shortLabel":"NIM","group":"Profitability","format":"percent","direction":"higher","description":"Annualized net interest income relative to earning assets.","source_fields":["NIMY"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"annualized_as_reported","formula":"FDIC reported NIMY; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"EEFFR","label":"Efficiency ratio","shortLabel":"Efficiency","group":"Profitability","format":"percent","direction":"lower","description":"Noninterest expense relative to net operating revenue; lower is generally better.","source_fields":["EEFFR"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"FDIC reported EEFFR; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"NCLNLSR","label":"Noncurrent loans","shortLabel":"Noncurrent loans","group":"Credit quality","format":"percent","direction":"lower","description":"Noncurrent loans and leases as a percentage of gross loans and leases.","source_fields":["NCLNLSR"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"FDIC reported NCLNLSR; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"NTLNLSR","label":"Net charge-offs","shortLabel":"Net charge-offs","group":"Credit quality","format":"percent","direction":"lower","description":"Annualized net charge-offs as a percentage of loans and leases.","source_fields":["NTLNLSR"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"annualized_as_reported","formula":"FDIC reported NTLNLSR; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"LNLSDEPR","label":"Loans to deposits","shortLabel":"Loans / deposits","group":"Funding","format":"percent","direction":"context","description":"Net loans and leases as a percentage of total deposits.","source_fields":["LNLSDEPR"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"FDIC reported LNLSDEPR; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"UNINSURED_DEPOSIT_SHARE","label":"Estimated uninsured deposits","shortLabel":"Uninsured deposits","group":"Funding","format":"percent","direction":"lower","description":"Estimated uninsured deposits as a percentage of domestic deposits.","source_fields":["DEPUNINS","DEPDOM"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"DEPUNINS / DEPDOM * 100","null_rules":["Either source value absent or non-finite","Domestic deposit denominator is zero"]},{"key":"COREDEPR","label":"Core deposits to assets","shortLabel":"Core deposits","group":"Funding","format":"percent","direction":"higher","description":"Core deposits as a percentage of total assets.","source_fields":["COREDEPR"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"FDIC reported COREDEPR; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"EQTOTR","label":"Equity to assets","shortLabel":"Equity / assets","group":"Capital","format":"percent","direction":"higher","description":"Total equity capital as a percentage of total assets.","source_fields":["EQTOTR"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"FDIC reported EQTOTR; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"RBC1AAJ","label":"Tier 1 leverage ratio","shortLabel":"Leverage ratio","group":"Capital","format":"percent","direction":"higher","description":"Tier 1 capital relative to adjusted average assets.","source_fields":["RBC1AAJ"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"FDIC reported RBC1AAJ; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"RBCT1CER","label":"Common equity Tier 1 ratio","shortLabel":"CET1 ratio","group":"Capital","format":"percent","direction":"higher","description":"Common equity Tier 1 capital relative to risk-weighted assets, when reported.","source_fields":["RBCT1CER"],"unit":"percent","scale":1,"display_unit":"percent","definition_version":"v7.1-integrity","period_basis":"reporting_date_as_reported","formula":"FDIC reported RBCT1CER; no recomputation","null_rules":["Source value absent or non-finite"]},{"key":"NUMEMP","label":"Bank FTE employees","axisLabel":"FTE employees","format":"headcount","unit":"full_time_equivalent_employees","source_fields":["NUMEMP"],"scale":1,"display_unit":"full_time_equivalent_employees","definition_version":"v7.1-integrity","entity_scope":"Full-time equivalent employees of the reporting bank and consolidated subsidiaries; not the parent-company workforce.","definition_source":"https://www.federalreserve.gov/apps/mdrm/data-dictionary/search/item?date_end=99991231&date_start=99991231&keyword=4150&rep_period=Before&rep_state=Opened&rep_status=All&show_conf=False&show_short_title=False","period_basis":"reporting_date_as_reported","formula":"FDIC reported NUMEMP; no recomputation","null_rules":["Source value absent or non-finite"]}]},"receipt":{"request_id":"4b40c813-3c61-45a5-b156-69ad9cc9c5b6","operation":"get_metric_definitions","status":"succeeded","completed_at":"2026-11-03T04:10:31.015Z","policy_version":"public-research-v1"}}