Welcome aboard
How do you actually use this thing?
Skip the feature tour. This page answers the practical questions: what you can see without an account, what the platform reads on your behalf, and when each tool is worth your time.
What MDRM IQ is
MDRM IQ is a regulatory intelligence platform for community banks and the advisors who serve them. It reads the call reports your institution already files, computes the metrics examiners compute, and shows each one against the published threshold and the peer figures the FFIEC itself publishes — without asking you to upload anything.
Every metric, threshold and citation traces to a published regulatory standard, and every figure carries the filing it came from. MDRM IQ is an informational and exam-preparation tool: it surfaces data and context so your team can decide well. It does not predict examination outcomes and it does not decide anything for you.
How it works
Quarterly call report data is pulled from public sources — the FDIC BankFind API and the FFIEC's Central Data Repository bulk files — into one normalized core, then run through a deterministic engine of 50 rules covering capital adequacy, asset quality, liquidity, earnings, concentration risk, interest-rate sensitivity, call report thresholds, enforcement history and audit-program attestation.
Of those, 36 fire automatically from the filed figures. The remaining 14 are attestation rules — they ask a human whether a written program exists, because no call report reports that.
The institution viewis where you read the result: eight analytical domains, ordered by how far your institution sits from its group, each signal carrying its status word (breach · approaching · drifting · passed · not evaluated), its basis, and the FFIEC's own published peer figure where one exists. You can widen the window from four quarters to forty, and open any signal to see exactly how it was derived.
On the Institutional plan the platform extends into a compliance operations layer: Posture documents your program field-by-field — 126 fields across 12 examination areas — with a severity-sorted gap report; Mock Examiner walks you through a Proctor-led conversational exam in any of 10 areas (~15–20 min Lite, ~45–90 min Full); the Document Vault stores evidence on a cryptographic hash chain; Inquiries turns examiner questions into structured responses pre-filled from Posture and Vault; and Records keeps a bitemporal audit trail of every change, upload and answer.
Three plans
- ·A permanent public page for every FDIC-insured institution, and a free institution view covering the current quarter across all eight domains
- ·Peer position from the FFIEC's published figures, the regulatory calendar, and the public enforcement register
- ·What the free view withholds is shown as withheld — labelled, never hidden, so you can see what a paid plan adds before you pay for it
- ·The full institution view — forty quarters, cohorts you build yourself, every derivation open
- ·Audit Engine, Proctor IQ, Trend Explorer, peer group builder, screener and comparison
- ·Posture (12 areas, severity-sorted gaps, attestation) and Mock Examiner Lite + Full, persistent and audit-trailed
- ·CAMELS workbook, Exam Prep Binder PDF, Document Vault with hash-chain verification
- ·Inquiries, the Records audit trail, examiner guest access and team management
- ·Everything in Institutional, across many institutions — for consulting firms, banking associations and core processors
- ·Advisor portfolio, watchlist and peer comparison (up to 25 institutions)
- ·Board reporting PDF, API access and custom branding
Plans are priced per institution with unlimited internal users — no seat counting. Pricing is set per customer; see the plan comparison or write to hello@mdrmiq.com.
Start in three steps
Read your institution
Search your bank by name or FDIC certificate number from the homepage. You will land on its public view: the latest filed quarter across all eight domains, each signal with its status, its basis and its peer position. No account, no card.
Open a free account
A free account at sign up keeps your institution set, adds the enforcement digest and the regulatory calendar, and lets you ask the engine a question. Two-factor authentication is offered on first sign-in and can be added later from Settings.
Talk to us when you need the rest
The Audit Engine, Posture, Mock Examiner, the Vault and the exam-prep binder are Institutional. Write to hello@mdrmiq.com and we will walk your team through the platform and set your institution up on the right plan.
Informational only · every figure traces to a public filing · MDRM IQ does not predict examination outcomes