Transparency · methodology

Where does this data actually come from?

Every number MDRM IQ shows is sourced from a public regulatory database. No proprietary feeds, no scraped estimates, no vendor black boxes. If you can't verify it against the FDIC's own BankFind API, we don't show it.

Primary Data Source

MDRM IQ's core data comes from the FDIC BankFind API (banks.data.fdic.gov), which provides public call report data for every FDIC-insured institution in the United States. This is the same data available through the FFIEC Central Data Repository — we simply automate the retrieval, calculation, and analysis.

All data used by MDRM IQ is publicly available. We do not access, store, or process any confidential supervisory information, internal bank records, or non-public examination findings.

Key Data Fields

We calculate metrics across six regulatory domains using the following FDIC call report fields:

Update Frequency

FDIC call report data is filed quarterly by every insured institution. The FDIC typically publishes this data approximately 45 days after each quarter end. MDRM IQ refreshes institution data as soon as new quarterly filings become available.

What's Not Included

MDRM IQ works exclusively with publicly available data. The following categories of information are never accessed, stored, or used by the platform:

• ×Internal CAMELS ratings assigned by examiners
• ×Classified asset reports and internal loan reviews
• ×Confidential supervisory information from any regulator
• ×Examination findings, MRAs, or MRIAs
• ×Board minutes, internal policies, or strategic plans

AI-Generated Content

MDRM IQ uses Anthropic's Claude to generate intelligence briefs, exam readiness narratives, and regulatory news analysis. These AI-generated outputs are clearly labeled and serve an informational purpose only. They synthesize publicly available data into readable narratives but do not make predictions, recommendations, or decisions.

Rules Engine

The audit tool uses deterministic rules across categories including concentration risk, capital adequacy, asset quality, liquidity, earnings, interest rate risk, multi-quarter trends, portfolio-level analysis, and attestation areas (BSA/AML, internal audit, fraud controls). Every rule maps to a specific regulatory citation (e.g., FDIC FIL-23-064 (2023) for CRE concentration, 12 CFR 324 for capital adequacy). Rules are not AI-driven — they are hard-coded threshold comparisons that fire when a metric exceeds a known regulatory boundary.

Rule performance is validated through backtesting against 10 years of historical FDIC data cross-referenced with enforcement outcomes. This validation measures hit rate, lift over base rate, and lead time before adverse events.

Regulatory Position

MDRM IQ reports your regulatory position (Clean / Watch / Elevated) from the count of flagged supervisory findings, and shows each metric alongside its UBPR peer percentile and trend. There is no single 0–100 composite — the regulator issues no readiness score, so the platform surfaces the deterministic facts (flags, peer position, trend) and leaves the judgment to you. Informational only — not a prediction of examination outcomes.

Deposit Concentration Analysis

The Deposit Concentration Analyzer breaks down your institution's deposit base by type — insured vs. uninsured, brokered, wholesale, and core deposits — and compares concentrations against regulatory guidance and peer benchmarks. This analysis is derived entirely from public call report fields (DEP, DEPINS, BRO) and helps identify liquidity concentration risks examiners commonly flag.

News Aggregator

MDRM IQ monitors 11 regulatory news sources across 7 federal agencies, updated hourly. Sources include press releases, enforcement actions, policy statements, and rulemaking notices from the FDIC, OCC, Federal Reserve, CFPB, FinCEN, NCUA, and FFIEC.