CFO
Prepares the ALCO packet and the board's financial narrative from one workspace, with peer context and quarter-over-quarter change already assembled.
BankCore.io
BankCore is ALCO, stress testing, and bank analytics software for community banks.
Community bank CFOs, treasurers, and ALCO committees use BankCore to run ALCO from one current view, stress test the balance sheet against rate and economic scenarios, and analyze any of 4,000+ U.S. banks using call report and UBPR data. It replaces manual UBPR pulls, three-system report assembly, and once-a-year peer studies with analysis that updates each quarter as new call report data is filed.
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Financial institutions served
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U.S. banks you can analyze in BankCore
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Marketing spend to reach them
What BankCore does
A UBPR analysis tool for ALCO, stress testing, and peer benchmarking.
BankCore is a bank performance analytics platform that turns FFIEC call report and FDIC UBPR data into ALCO reporting, balance-sheet stress testing, peer benchmarking, and M&A target screening for community banks. It covers more than 4,000 U.S. banks and updates each quarter as call reports are filed.
Data
Regulatory data, ready to read
BankCore reads quarterly call reports, the UBPR ratios derived from them, and FDIC branch and deposit data for every U.S. bank, so the numbers behind a strategic question are one screen away instead of hours of manual extraction.
ALCO
One ALCO workspace from your own data
The ALCO Command Center tracks NIM, ROA, ROE, and efficiency quarter over quarter, flags what changed and why, and produces board-ready reporting, so the packet is not assembled from three systems the night before the meeting.
Stress testing
Scenarios ALCO members can run themselves
Scenario Studio moves funding rates, deposit beta, loan growth, and wholesale funding, and shows the directional impact on NIM, deposit cost, loan yield, liquidity, and Tier 1 leverage, anchored to how peer banks actually behave.
Benchmarking
Peer comparison as new data lands
Compare your bank with peers and competitors on the metrics your board tracks, with peer groups you define, updated each quarter rather than once a year.
M&A
Acquisition screening from financials
Screen every bank in the country by the criteria that matter to you, build a target list from call report data, and analyze a target's margin, growth, credit, and capital before making contact.
NineFive has served 85 financial institutions through BankCore, reaching that within 90 days of launch with zero marketing spend. For the pricing side of the balance sheet, see TrueNIM.
The problem
Every bank's financials are public. Reading them fast is the hard part.
Call report and UBPR data holds the answer to almost every strategic question a bank asks: where the margin stands, which institution to acquire, how the bank compares with competitors in its market. The data sits in formats built for regulators, not for a CFO preparing for ALCO or a board meeting.
On BankCore today
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Banks in the database
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Financial institutions served
Problems BankCore solves
What ALCO and strategy teams stop doing by hand.
- UBPR and call report data is formatted for regulators, so answering a strategic question means hours of manual extraction.
- ALCO packets are assembled from three or four systems the night before the meeting.
- Peer groups are stale, hand-built, or set by a vendor once a year.
- Board reports are written from scratch every quarter.
- M&A target lists come from whoever calls the bank first, not from financials.
- There is no fast way to see deposit and branch market share by county before opening a branch or pricing a deal.
- Interest rate risk scenarios live in a separate model that ALCO members cannot open themselves.
Who uses BankCore
The people who answer to the board and the examiners.
Treasurer / ALM officer
Runs rate and economic scenarios against the bank's own data and reports the directional impact on NIM, liquidity, and Tier 1 leverage.
ALCO committee
Works from one current view of the balance sheet, peer leaderboards, and watchlists, with board reports generated in a click.
CEO & strategy
Sees deposit and branch market share by state and county before opening a branch or entering a market.
Corporate development / M&A
Builds acquisition target lists from call report financials and analyzes a target before the first conversation.
See it in action
Every bank's numbers, ready the moment you need them.
Overview
Every institution, every metric, sortable in seconds
Screen thousands of banks by ROA, ROE, NIM, efficiency, Tier 1 leverage, delinquency, coverage, and CRE concentration, then drill into ALCO, peer comparison, market share, industry trends, and acquisition analysis from the same view.
- Sortable, filterable table across the full FDIC universe
- Core profitability and risk metrics, side by side
- One click into ALCO, Compare, Market Share, or Acquisition Analysis
Market Share
See who owns the market, county by county
Visualize deposit and branch market share on a map, sized by institution, and rank the top players in any state or county, so you know who you are competing with before you open a branch or price a deal.
- Interactive map with market share sized by bubble
- Top 10 institutions ranked by share, branches, and assets
- Drill down by state or county in a click
ALCO Command Center
Seven modules, one quarter's narrative
Command Center, Scenario Studio, Banks Like Us, Briefings, Board Reports, Watchlists, and TrueNIM pricing posture, all live from your own data, with NIM, ROA, ROE, and efficiency tracked quarter over quarter.
- Quarterly pulse with alerts on what changed and why
- AI-narrated, plain-English board reports, generated in one click
- Peer leaderboards and watchlists tracked automatically
Scenario Studio
Model any rate scenario before ALCO has to ask
Adjust funding rate moves, deposit beta, loan growth, and wholesale funding assumptions, and see the directional impact on NIM, deposit cost, loan yield, liquidity, and Tier 1 leverage, anchored to how peer banks actually behave.
- Peer-anchored low, base, and high ranges rather than a single black-box forecast
- Save and compare multiple scenarios side by side
- Built for the questions ALCO and the board ask every quarter
One platform, any bank's numbers
Every question a community bank actually asks its data.
01 · ALCO
Manage ALCO in one always-current view
Bring your asset-liability position into a single view your ALCO can work from, without reassembling reports from three different systems the night before the meeting.
02 · Stress testing
Stress test your balance sheet against real scenarios
Run rate shocks and economic scenarios against your own financials and see the impact immediately, built for the questions examiners and your board are already asking.
03 · M&A
Identify acquisition targets with real data
Screen any bank in the country by the metrics that matter to you, and build a target list from financials rather than from who happens to call you first.
04 · Benchmarking
Analyze yourself and your competitors, side by side
See how your bank stacks up against peers and competitors on the metrics your board cares about, updated as new call report data lands, not once a year.
BankCore FAQ
Frequently asked questions
Data
What data does BankCore use?
BankCore uses public regulatory data: quarterly FFIEC call reports (the Consolidated Reports of Condition and Income), the FDIC Uniform Bank Performance Report (UBPR) figures derived from them, and FDIC branch and deposit data. It covers more than 4,000 U.S. banks, and the data updates each quarter as call reports are filed.
UBPR
What is a UBPR and what is a UBPR analysis tool?
The Uniform Bank Performance Report is a standardized set of performance and condition ratios the FFIEC publishes for every U.S. bank, used by examiners and analysts to compare a bank with its peers. A UBPR analysis tool reads that data and turns it into comparisons, trends, and reporting without manual extraction. BankCore is a UBPR analysis tool built for community bank ALCO and strategy work.
Coverage
How many banks can I analyze in BankCore?
More than 4,000 U.S. banks, covering the community bank universe. You can screen and sort all of them by ROA, ROE, NIM, efficiency ratio, Tier 1 leverage, delinquency, loss coverage, and CRE concentration, then drill into ALCO, peer comparison, market share, and acquisition analysis for any one of them.
M&A
Can BankCore be used for bank M&A target screening?
Yes. BankCore is used as bank M&A target screening software. You filter every bank in the country by the financial criteria that matter to you, build a target list from call report data rather than inbound calls, and analyze a target's margin, growth, credit, and capital before making contact.
ALCO
What is ALCO software, and does BankCore replace our ALM model?
ALCO software gives an asset-liability committee one current view of the balance sheet, the interest rate risk position, peer comparisons, and board reporting. BankCore provides that workspace plus directional stress testing anchored to peer behavior. A bank that is required to run a full portfolio ALM model for examiners keeps that model and uses BankCore as the ALCO workspace and peer-analysis layer.
Updates
How often is BankCore data updated?
Each quarter, as banks file their call reports and the FFIEC and FDIC publish updated figures.
Compare
Does BankCore replace our ALM model or core system?
No. BankCore reads public call report and UBPR data and turns it into ALCO reporting, stress testing, and peer analysis. If your bank runs a full portfolio asset-liability model for regulatory reporting, BankCore is the ALCO workspace and peer-analysis layer around it. It runs alongside your core, and alongside TrueNIM for loan pricing.
Ready to see your own numbers
Let's pull up your bank's financials.
Tell us which bank, yours, a competitor, or a potential target, and we will show you exactly what BankCore surfaces.