# NDFI Analytics - US Bank Exposure to Non-Bank Lenders Published: 2026-03-31 Interactive NDFI analytics tool covering US bank exposure to non-bank lenders. FFIEC Call Reports for 629 banks across 5 quarters. Stress scenarios, CET1 concentration, ACL coverage, nonaccrual rates, commitments. Validated against FDIC BankFind API, FRED Series, FDIC Quarterly Banking Profile. Full data download. ## Where to find the full content - HTML page (full text, image deck, links): https://tigzig.com/post/ndfi-analytics-us-bank-exposure-tool - Markdown of the HTML page: send GET https://tigzig.com/post/ndfi-analytics-us-bank-exposure-tool with header `Accept: text/markdown` - PDF deck (full analysis, charts, sources): https://tigzig.com/files/NDFC_TOOL_MARCH2026.pdf ## Tags portfolio-quants --- ## Full analysis transcript (extracted from PDF deck) _This text was extracted from the source PowerPoint deck. Chart visuals (referenced as "no text content - see PNG at /files/...") are in the PDF and slide images on the HTML page._ ## NDFI Analytics ToolUS Banks Lending to Non-Depository Financial Institutions (NDFI) Online Interactive Tool Stress scenarios to capital impactConcentration risk across 629 banksCET1 exposure & ACL coverage Bank-level drill downs and full data download Source: FFIEC Call Reports Validated against FDIC BankFind API, FRED Series and FDIC Quarterly Banking Profile Amar Harolikar, ACA [TigZig.com](https://tigzig.com/) 629 NDFI Lending Banks. Representing 88% of banking system assets (FDIC Insured banks). Quarterlies from Q4’24 to Q4’25 . --- ## The Tool Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) Live on [tremor.tigzig.com](https://tremor.tigzig.com/) ➔ US NDFIBuilt by Analyst. For Analysts --- ## The questions you can answer Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) Which banks above $100B have NDFI exposure exceeding 150% of CET1? How has NDFI concentration changed over the past 5 quarters for a specific bank? At a 15% NDFI loss rate, which banks would see losses breach their entire ACL and start eroding CET1 capital? For a specific bank, what percentage of its CET1 is exposed to NDFI? If NDFI balances grow another 35%, what does the system-level NDFI/CET1 ratio look like? What is the commitment-to-balance ratio by NDFI subcategory, and which banks have the highest undrawn commitments? How much of the NDFI portfolio is in Business Credit vs PE Funds vs Mortgage at any given bank? --- ## Sections Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) Coverage: which banks covered and how much of banking system do they represent? Analysis: stress test scenarios and capital impact Balances : NDFI balances by subcategory and bank size Commitments : by subcategory and bank size Exposure: capital adequacy and loss reserve ratios and breakdowns Credit Quality: non accrual rates and breaks. Bank : Bank NDFI profile Explorer: data explorer to cut data as you want Methodology: detailed process followed Validation : validation process and results --- ## Analysis Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) Analysis with stress scenarios, exposure analysis and potential for systemic risk. --- ## Get to insights fast Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) Apply filters, see % distros by numbers and volume, click on any bar to see bank list ... cick on bank to go to bank page… --- ## Explore and cut data Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) Data explorer view – apply multiple filters to data, select columns from 55+ --- ## Download data and analyze offline Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) Full data download provided --- ## Methodology Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) Detailed methodology including the MDRM codes used for variables and formulas --- ## Validations Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/) 8 Levels of validations from internal consistency to total tally with external number Totals validated against FDIC Quarterly reports, FDIC Bank Find API & FRED Series Validation results shared with variances and reason for variance where identified. --- ## Live on TREMOR [tremor.tigzig.com](https://tremor.tigzig.com/) Macro Early Warning Signals Part of the Tigzig analytics suite - 40+ tools at [tigzig.com](https://tigzig.com/) Amar Harolikar. Decision Sciences & Applied AI [tremor.tigzig.com](https://tremor.tigzig.com/)