Bank Call Reports: The Federal Data Behind Bankzia's Trust Grade
Every U.S. bank files a quarterly "call report" with federal regulators. This data is the foundation of Bankzia's Trust Grade — and it's available to anyone.
Four times a year, every FDIC-insured bank files a comprehensive financial report with its primary regulator. These "call reports" (officially, the Report of Condition and Income) are among the most detailed public financial disclosures in any industry. They're the raw data behind Bankzia's Trust Grade.
What is a call report?
A call report is a quarterly financial snapshot of a bank's balance sheet, income statement, and key risk metrics. The FDIC publishes all call report data in its BankFind Suite (banks.data.fdic.gov), making it freely available to researchers, journalists, and anyone else who wants to examine bank finances.
Key fields in a call report
- ASSET: Total assets
- EQ (Equity Capital): Used to compute the capital ratio
- NETINC (Net Income): Used to compute return on assets
- DEP (Total Deposits): Customer deposits
- OFFICES: Number of branch offices
Credit union equivalent: NCUA Call Reports
Credit unions file similar reports with the NCUA. Bankzia uses the FS220 and FS220A forms, which provide total assets, total shares, net income, net worth, and member count.
How fresh is the data?
Bankzia refreshes call report data after each quarterly filing cycle. The most recent data typically reflects figures from the prior quarter.
Data sources: FDIC BankFind Suite (quarterly call reports), NCUA Financial Performance Reports, CFPB Consumer Complaint Database. Financial figures reflect the most recently published quarterly call report data. Complaint data is updated as new CFPB records are published. The Bankzia Trust Grade is a proprietary composite score — not a government rating. Deposits at all listed institutions are federally insured up to $250,000 per depositor, per ownership category.
Frequently Asked Questions
Betty Jones has spent 12 years covering banking regulation, consumer finance, and the economics of trust in financial institutions. She started her career at a regional newspaper covering the Federal Reserve and FDIC regulatory beat before moving into financial media. Betty holds a journalism degree from the University of Texas at Austin and has been a contributing analyst at several fintech publications. She built Bankzia's editorial framework and is the primary author of the Trust Grade methodology explainer series.
