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Financial Services: predicting banking trends

How can an analyst or regulator identify a US bank as being at risk of failure?

One way is to analyze the bank's publicly available quarterly filings with the US Federal Deposit Insurance Corporation (FDIC).

But going through decades of data in spreadsheets is a monumental undertaking and it can be hard to spot vital trends, factors and connections.

Acadiant has aggregated 25 years' worth of FDIC filings from 20,000 banks, in order to apply a statistical regression analysis to identify stress factors leading to the probability of failure.

With this FDIC analysis, we can look at overall industry trends and examine the data for individual banks.

US banking industry aggregate stress
level from 1992 through early 2016

The result?

Integrated data science and financial economics that provide insights to promote macroeconomic stability.

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