BankProspector - Banks

Individual Bank Pages

When you click on a bank name anywhere in BankProspector, you’ll land on that bank’s individual detail page. This is where you’ll spend a lot of your time — it’s packed with everything you need to evaluate a lender and start building a relationship.

The Bank Header

At the top of every bank page, you’ll see:

  • The bank’s name, logo, and a Watchlist badge (if you’ve added it to a watchlist)
  • FDIC and RSSD identification numbers
  • The bank’s headquarters city and state
  • A direct link to the bank’s website
  • A Target button to add/remove the bank from your target list
  • An Edit Tags link to apply custom tags

Below the header, you’ll see four tabs: Overview, History, Contacts, and Branches.

Overview Tab

The Overview tab is your at-a-glance view of the bank’s financial health and portfolio data.

Notes & Reminders

Right at the top of the Overview, you’ll see cards for Notes and Reminders specific to this bank. This is a handy spot to jot down things like “Spoke with asset manager 2/15 — follow up in 30 days” or set a reminder for your next call.

Quarter Selector

You can view data from any of the last eight quarters using the tabs at the top of the data section. The most recent quarter is selected by default. This lets you look back and see how the bank’s numbers have changed over time.

Top-Line Metrics

Three big numbers at the top give you the essentials:

  • Total Assets: The bank’s overall size. You’ll also see a quarter-over-quarter percentage change.
  • Total NPL: Total non-performing loans for the current quarter.
  • Total REO: Total real estate owned (bank-owned property) for the current quarter.

Capital Health

The Capital Health section shows five key financial health indicators, each with a mini sparkline chart showing the recent trend:

  • Tier 1 Leverage: Measures core capital relative to total assets. The regulatory minimum is 4%.
  • Tier 1 Risk-Based Capital: Core capital relative to risk-weighted assets.
  • Total Risk-Based Capital: Total capital (Tier 1 + Tier 2) relative to risk-weighted assets.
  • Loan Loss Provisions: The amount the bank set aside this quarter to cover expected loan losses.
  • Allowance for Loan Losses (ALLL): The total reserve the bank has built up to cover future losses.

💡 Tip: A bank with declining capital ratios and rising loan loss provisions may be under pressure to move non-performing assets off their books — that’s a potential opportunity for you.

Note Sale Indicators

This section tracks five metrics that can signal when a bank might be ready to sell:

  • 30–89 Days HFS: Loans 30–89 days late that are held for sale.
  • 90+ Days HFS: Loans 90+ days late held for sale.
  • Nonaccrual HFS: Nonaccrual loans held for sale.
  • Nonaccrual Loans Sold: Nonaccrual loans the bank has actually sold.
  • Total Loans HFS: The total portfolio of loans held for sale.

Each indicator includes a sparkline so you can see the trend at a glance. If you see Nonaccrual Loans Sold numbers, that’s a strong signal — this bank has a track record of selling.

Portfolio Distribution

A horizontal bar chart showing how the bank’s loan portfolio is distributed across major categories (Residential, Consumer Credit, etc.). This helps you quickly see what types of loans the bank focuses on.

Portfolio Risk Analysis

This is one of the most powerful sections on the page. It’s a table that breaks down every loan category and shows:

  • Portfolio size
  • 30–89 Days delinquent
  • 90+ Days delinquent
  • Nonaccrual
  • Charge-offs
  • NPL Ratio

Categories include Auto Loans, C&I (Commercial & Industrial), Consumer Credit, CRE Non-Owner Occupied, CRE Owner Occupied, Multifamily, Residential HELOCs, Residential 1st Position, Residential Junior Position, and more. The TOTAL row at the bottom gives you the aggregate picture.

You can click the Filters button in the top-right to narrow down the view.

Quarterly Trends by Category

Below the risk analysis table, you can dive deeper into any loan category. Select a category using the pill buttons (Residential 1st Position, HELOCs, CRE Non-Owner Occupied, etc.) and then choose which metrics to display: 30–89 Days, 90+ Days, Nonaccrual, and Charge-offs.

The bar chart shows how these metrics have trended over the last eight quarters, and a detailed Historical Data table below gives you the exact numbers for each quarter.

History Tab

The History tab gives you a clean, sortable table showing the bank’s key financial data across every available reporting quarter. This is your time machine — see how the bank has evolved over time.

Columns include:

  • Reporting Date and Total Assets
  • T1 Leverage % and ALLL
  • 1st Pos Portfolio and 1st Pos NPL %
  • NOO CRE Portfolio, MF Portfolio, Res Construction Portfolio
  • Farm Portfolio, C&I Portfolio, CC Portfolio
  • Auto Portfolio and Total HFS

You can click Customize Columns in the top-right to show or hide specific data columns based on what’s most relevant to you. Each row also has a download icon in the Actions column so you can export that quarter’s snapshot.

The table is paginated — you might see 100 snapshots going back 25 years of quarterly data.

Contacts Tab

The Contacts tab is where you find and manage decision-maker contacts for this bank. It has three sub-tabs:

Find Contacts

This is your starting point for discovering who to call. You’ll see a list of available contacts at this bank with their name (partially masked until you unlock them), title, and location. You can filter by title or state to narrow things down.

To unlock a contact’s full information, use your Enrichment Credits. You’ll see buttons to Request Email, Request Phone, or Request Both. Your Enrichment Credits balance is displayed at the top of this tab.

Note: Enrichment Credits are used to unlock contact details. Your plan includes a set number of credits. See the Enrichment Credits article for more details.

  • My Contacts
    Once you’ve unlocked contacts, they’ll appear in your My Contacts sub-tab. You can search by name or title, and filter by state. This is your personal Rolodex for this bank.
  • Export History
    The Export History sub-tab shows any previous contact exports you’ve done for this bank. If you haven’t exported yet, you’ll see a message directing you to the Find Contacts tab to get started.
  • Branches Tab
    The Branches tab shows every branch location for this bank. You can view branches in Table view or Map view using the toggle in the top-right.
  • Table View
    The table shows Branch Name, Address, City, State, Type (e.g., Full Service Brick and Mortar Office), and Established date. You can filter by State, City, and Branch type using the dropdowns at the top. Each row has an external link icon to view the branch location.
  • Map View
    The Map view plots all branch locations on an interactive map, so you can visualize the bank’s geographic footprint.

💡 Tip: If you’re focused on a specific region, the Branches tab helps you find banks with local presence in your target area — these are often easier to work with than big national banks.