Peer Group Analysis
fdic_peer_group_analysisBuild a peer group for any FDIC-insured bank and rank it against peers on key financial metrics like ROA, efficiency ratio, and more at a single report date. Supports subject-driven, explicit criteria, or overrides for flexible analysis.
Instructions
Build a peer group for an FDIC-insured institution and rank it against peers on financial and efficiency metrics at a single report date.
Three usage modes:
Subject-driven: provide cert and repdte — auto-derives peer criteria from the subject's asset size and charter class
Explicit criteria: provide repdte plus asset_min/asset_max, charter_classes, state, or raw_filter
Subject with overrides: provide cert plus explicit criteria to override auto-derived defaults
Metrics ranked (fixed order):
Total Assets, Total Deposits, ROA, ROE, Net Interest Margin
Equity Capital Ratio, Efficiency Ratio, Loan-to-Deposit Ratio
Deposits-to-Assets Ratio, Non-Interest Income Share
Rankings use competition rank (1, 2, 2, 4). Rank, denominator, and percentile all use the same comparison set: matched peers plus the subject institution.
Output includes:
Subject rankings and percentiles (when cert provided)
Peer group medians
Peer list with CERTs (pass to fdic_compare_bank_snapshots for trend analysis)
Metric definitions with directionality metadata
Override precedence: cert derives defaults, then explicit params override them.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| cert | No | Subject institution CERT number. When provided, auto-derives peer criteria and ranks this bank against peers. | |
| repdte | No | Report Date (REPDTE) in YYYYMMDD format. FDIC data is published quarterly on: March 31, June 30, September 30, and December 31. Example: 20231231 for Q4 2023. If omitted, defaults to the most recent quarter-end date likely to have published data (~90-day lag). | |
| asset_min | No | Minimum total assets ($thousands) for peer selection. Defaults to 50% of subject's report-date assets when cert is provided. | |
| asset_max | No | Maximum total assets ($thousands) for peer selection. Defaults to 200% of subject's report-date assets when cert is provided. | |
| charter_classes | No | Charter class codes to include (e.g., ["N", "SM"]). Defaults to the subject's charter class when cert is provided. | |
| state | No | Two-letter state code (e.g., "NC", "TX"). | |
| raw_filter | No | Advanced: raw ElasticSearch query string appended to peer selection criteria with AND. | |
| active_only | No | Limit to institutions where ACTIVE:1 (currently operating, FDIC-insured). | |
| extra_fields | No | Additional FDIC field names to include as raw values in the response. Does not affect peer selection. | |
| limit | No | Max peer records returned in the response. All matched peers are used for ranking regardless of this limit. |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
No arguments | |||