FDIC Deposit-Runoff Velocity →

A banking-sector surveillance agent calls ADW-206 (FDIC Deposit-Runoff Velocity, monthly refresh, z-score of QoQ uninsured-deposit change divided by total assets over a 20-quarter window) immediately upon each FDIC BankFind release; when runoff_velocity_score rises above 60 or stressed_bank_pct increases by more than 5 percentage points month-over-month, the agent automatically triggers a liquidity-scenario model refresh and alerts the risk desk with a pre-formatted memo citing the sector_zscore and the specific methodology_version used. Current score is 28.3 (100th percentile of its two-point history), indicating the sector is not in acute stress — the agent remains in passive-monitoring mode. The source_lineage to FDIC BankFind Suite means every alert is grounded in regulatory Call Report data, not market-price inference.

A bank treasury officer uses ADW-206 to front-run the quarterly liquidity-coverage ratio review: a rising runoff_velocity_score signals that the broader sector's uninsured-deposit base is contracting faster than assets, a pattern that led deposit runs in 2023 by 2–3 quarters per the product's competitor benchmark note. With this leading indicator, the treasury team pre-positions liquid-asset buffers before a stress episode becomes visible in bank stock or CDS spreads — replacing a reactive process that previously relied on coincident market signals and internal deposit-trend reports that themselves lagged the FDIC data by a quarter.