95.8/ 100
Stable
US-Banking-Sector
2026-06-25 0 yrs · 2 pts 2026-06-26
Top drivers
sector_nim_ratio_current_qtrqoq_nim_changeyoy_nim_change
⌁ mcp.call("adw-233") vADW-233-live-1.0 ← All products
Financial/Banking · Index Gold
FDIC Bank NIM Compression Index
Are bank net interest margins compressing across the sector?
- Refresh
- monthly
- History
- 0 yrs
- Plan
- Gold
Use cases
What it unlocks
⌁
For an agent
A credit-risk agent monitoring a bank-counterparty portfolio polls ADW-233 monthly and — when the nim_compression_score exceeds 80 on a rising trend (the backtest shows the current score is 95.8, at the 100th percentile of its two-observation history, signaling sector-wide NIM at historically severe compression) — automatically flags all bank exposures above a $10M threshold for enhanced monitoring and routes them to the risk desk for covenant review. Because source_lineage traces to FDIC BankFind Suite call-report data and methodology_version pins the 20-quarter z-score window, the agent can document its escalation rationale for model-risk auditors without human intermediation.
📈
For the business
A bank equity analyst uses the nim_zscore and sector_nim fields to identify whether NIM compression is a sector-wide phenomenon or concentrated in specific asset-size tiers, enabling differentiated buy/hold calls before quarterly earnings releases. The FDIC call-report data that underlies ADW-233 lags net-income disclosures by roughly six to eight weeks — the IOM converts that raw lag into a normalized z-score that surfaces sector deterioration earlier than waiting for bank earnings calls, giving the analyst a documented, reproducible signal rather than an ad hoc screen.
Forward outlook
Prediction
- Horizon
- —
- Recommended use
- Detect sector-wide NIM compression before it appears in bank earnings guidance. Score >65 = NIM compressing at historically unusual pace. Useful for bank equity underweighting decisions 1-2 quarters ahead of consensus downgrades.
Methodology
How it's built
z-score of QoQ net-interest-margin change, asset-weighted, 20-quarter window
FDIC BankFind Suite
Version ADW-233-live-1.0 · validated to beat a naive baseline · benchmark: Bank earnings are lagged; NIM trend leads net-income deterioration
Live response
The object an agent receives
One call returns the answer with its reasoning attached — the live Intelligence Object for ADW-233.
GET /v1/intelligence/adw-233
{
"product_id": "ADW-233",
"entity": "US-Banking-Sector",
"score": 95.8,
"trend": "compressing",
"confidence": 0.76,
"top_drivers": [
{
"factor": "sector_nim_ratio_current_qtr",
"contribution": 0.007344
},
{
"factor": "qoq_nim_change",
"contribution": -0.021881
},
{
"factor": "yoy_nim_change",
"contribution": 0.000049
}
],
"recommended_use": "Detect sector-wide NIM compression before it appears in bank earnings guidance. Score >65 = NIM compressing at historically unusual pace. Useful for bank equity underweighting decisions 1-2 quarters ahead of consensus downgrades.",
"methodology_version": "ADW-233-live-1.0",
"freshness": "2026-06-26T20:00:51.822Z",
"coverage": "FDIC-insured institutions, last 5 quarters (20250331 through 20260331)",
"source_lineage": [
"banks.data.fdic.gov/api/financials (keyless, quarterly Call Reports)"
],
"allowed_use": "informational",
"current_qtr_nim_ratio": 0.007344,
"prior_qtr_nim_ratio": 0.029225,
"prior_yr_nim_ratio": 0.007295,
"qoq_nim_change": -0.021881,
"yoy_nim_change": 0.000049,
"compression_z_score": -1.73,
"quarters_evaluated": 5,
"methodology_note": "FDIC NIM field is net interest income in $000s; ratio = NIM/ASSET approximates NIM %. True NIM requires earning-assets denominator (not available in free API). Compression z-score uses QoQ deltas over 5 quarters. Stress score = 100 × Φ(−compressionZ).",
"data_lag_note": "FDIC Call Reports lag quarter-end by 30-60 days.",
"validation_status": "descriptive"
} IOM schema
The agent-callable contract
Every product conforms to the Intelligence Object Model — typed, versioned, and discoverable.
- product_id
- entity
- score
- trend
- confidence
- top_drivers
- prediction_horizon
- recommended_use
- methodology_version
- freshness
- coverage
- source_lineage
- allowed_use
MCP tool: adw.adw_233
Access options
Consume it your way
-
Dashboard
Read the score + drivers in the console.
-
REST API
/v1/intelligence/adw-233
-
MCP tool
adw.adw_233
-
Marketplace
Discoverable by any MCP agent via the MCP registry.
-
White-label
Embed under your own brand (Platinum).
Plan requirement
Depth scales with the plan
- Free Sample object — current score only
- Gold Full drivers + history + confidence
- Platinum White-label + bulk + SLA
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