Bank Desk · LendRisk Analytics

Every FDIC-insured bank (7,769 certificates, 4,313 filing) across 62 quarters of call reports through 2026-06: liquidity and run risk, uninsured deposits, securities losses against equity, loans to non-depository lenders (the warehouse line), the auto book, and 201 failures autopsied with the score each carried in its last filing.

This page is a JavaScript application. Every tab below has a text route that returns the same contents as markdown, so a crawler or an AI assistant can read it without running the page. Start at /llms.txt; everything on the site in one file: /llms-full.txt; route guide: /guide.

Tabs on this page and how to read each as text

• Market (/bank-desk/#market): the banking system by quarter and the screens that matter now. As text: https://getbookiq.com/text/bank-desk/market.md · https://getbookiq.com/screen?desk=bank&sort=score&limit=50
• Autopsy (/bank-desk/#autopsy): every FDIC failure since 2011 with the desk's score in its last filing, and the validation lift table. As text: https://getbookiq.com/autopsy
• Postmortems (/bank-desk/#post): the postmortem studio: every bank that stopped filing without failing (mergers, conversions, wind-downs; failures are on Autopsy), cut by band, state and year; the median path out, living banks on the same path, the cohort list. As text: https://getbookiq.com/postmortems?desk=bank&band=&st=&year=
• Bank Lookup (/bank-desk/#bank): one bank: verdict, flags, ratios with band percentiles, the quarter each flag first fired, headlines. As text: https://getbookiq.com/read/bank/<FDIC certificate>
• Screens (/bank-desk/#screens): saved screens: buyers, sellers, warehouse lenders, auto books, stressed, run risk. As text: https://getbookiq.com/text/bank-desk/screens.md
• Method (/bank-desk/#method): how the desk is built and what it cannot see. As text: https://getbookiq.com/text/bank-desk/method.md
• Data (/bank-desk/#data): the data sheet for the bank on the lookup. As text: https://getbookiq.com/bank-desk/data/summary.json · https://getbookiq.com/bank-desk/data/stats.json · https://getbookiq.com/bank-desk/data/h/<cert mod 64>.json
• What it means (/bank-desk/#meaning): how to read every measure on the bank desk. As text: https://getbookiq.com/text/bank-desk/meaning.md
• Flags: liq_ltd = loans exceed deposits; liq_uninsured = uninsured deposits >50%; liq_brokered = brokered >10%; liq_wholesale = wholesale funding >15%; liq_thin = liquid assets <10%; liq_runrisk = run vulnerability; cap_low = leverage <7%; cap_critical = leverage <5%; cap_falling = capital falling; cap_aoci = AOCI drag >20% of equity; cap_secloss = securities losses >30% of equity; earn_negative = losing money; earn_efficiency = expense ratio p90; earn_nim = NIM <2.5%; aq_noncurrent = noncurrent p90; aq_nco = charge-offs p90; aq_reserve = reserve under noncurrent; conc_construction = construction >100% equity; conc_warehouse = loans-to-lenders >50% equity; conc_auto = auto book souring; shrink_deposits = deposits shrinking; shrink_assets = assets shrinking; flight_uninsured = uninsured deposits leaving · https://getbookiq.com/dictionary/#bank

Two desks under one roof: Credit Union Desk (CU Intelligence, Participation Desk) and Lending Markets (Bank Desk, Auto Credit Intelligence). All rooms: front door · CU Intelligence · Bank Desk · Participation Desk · Auto Credit Intelligence · Data dictionary · text edition index · sitemap.

Rules: every number is a filed figure or arithmetic on filed figures with the formula shown; a flag is a question, never a finding; every verdict says could be; departed means stopped filing; the data is a quarter old by construction. Sources: NCUA 5300, FDIC, SEC XBRL, SEC ABS-EE. Not a rating.