# US Bank (FDIC) Credit Data: Validation

How TREMOR validates US bank credit-stress data from FDIC Call Reports - reconciling the bank-by-bank aggregation against the FDIC Quarterly Banking Profile (balances, delinquency and rates across 7 segments, ~100 quarters) plus internal rollup-consistency checks. Completes the bank-aggregates validation set alongside NCUA and NY Fed.

Source data: FDIC Call Reports (Statistics on Depository Institutions API). Last updated: 2026-06-05. Interactive tool: https://tremor.tigzig.com/tools/us-bank-aggregates

TREMOR's US bank credit-stress data is aggregated from FDIC Call Reports (the FDIC Statistics on Depository Institutions API, summed bank-by-bank to industry totals). This page documents how that FDIC-banks data is validated - a reconciliation against the FDIC's own Quarterly Banking Profile, plus internal rollup-consistency checks. For data sources and rate definitions, see the [US bank/credit data methodology page](/tremor/bank-aggregates-methodology). The companion credit-union and household-debt validations are on the [NCUA](/tremor/ncua-validations) and [NY Fed](/tremor/nyfed-validations) pages.

[Open the interactive US Bank Aggregates tool on TREMOR](https://tremor.tigzig.com/tools/us-bank-aggregates) (FDIC Banks source) for the live validation tables.

## FDIC reconciliation vs the Quarterly Banking Profile

Cross-validation of our FDIC-API aggregation (sum of individual bank records) against the FDIC's own pre-computed industry totals from the Quarterly Banking Profile (QBP). Same backend Call Report data, different aggregation path - any divergence points to a coverage or methodology gap.

Coverage: ~100 quarters (Q1 2001 onward), sourced from the FDIC QBP Time Series Spreadsheet. The comparison spans:

- **Balances:** Total Loans, Real Estate, Consumer, Credit Cards, Auto, Agriculture, Other, Lease financing.

- **Delinquency:** 30-89 DPD, 90+ DPD, Nonaccrual, and Net Charge-Offs across 7 segments.

- **Rates:** 30-89 DPD rate, Noncurrent rate, and Net Charge-Off rate (annualized).

Balances reconcile to the QBP industry totals; small delinquency-level differences are flagged as warnings where the FDIC's published aggregation differs marginally from the bank-by-bank sum. The live per-quarter reconciliation table (balances, delinquency, and rates side-by-side) is in the interactive tool.

## Internal rollup-consistency checks

Pipeline math self-checks run across all ~100 quarters: for each parent category, the sum of its sub-categories should match the parent total. This confirms the aggregation is internally consistent before any comparison against external published numbers.

| Check | Identity | Status | Note |
| --- | --- | --- | --- |
| Total Loans rollup | LNLSGR = RE + C&I + Consumer + Ag + Other + Depository + Foreign Govt + Muni + Lease | PASS | Closes across all quarters |
| Real Estate sub-types | LNRE = Construction + CRE + Multifamily + Farmland + Residential | KNOWN GAP | ~0.8% - "other RE" not in these 5 sub-types |
| Consumer sub-types (post-2011) | LNCON = Credit Cards + Auto + Other Consumer | KNOWN GAP | ~5% - revolving credit plans not in CC/Auto/Other |
| Noncurrent identity | Noncurrent = 90+ DPD + Nonaccrual | PASS | Exact match across all ~100 quarters (0.0% gap) |

The two known gaps are structural FDIC reporting features (a residual "other RE" bucket, and revolving non-card consumer credit) - not data errors - and are consistent across all periods. The live per-quarter gap tables, plus latest-quarter and GFC-peak noncurrent-rate sanity checks, are in the interactive tool.

## See it live

This page is the static, readable companion to the FDIC-banks validation in TREMOR's US Bank Aggregates tool (live QBP reconciliation + rollup-consistency tables). [Open the interactive tool on TREMOR](https://tremor.tigzig.com/tools/us-bank-aggregates), or read the [methodology page](/tremor/bank-aggregates-methodology). TREMOR is part of [tigzig.com](https://www.tigzig.com) - AI for analytics, databases and macro signals.

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Source: https://www.tigzig.com/tremor/fdic-bank-validations

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Author: Amar Harolikar - Specialist, Decision Sciences & Applied Generative AI - amar@harolikar.com - https://www.linkedin.com/in/amarharolikar
Source: https://www.tigzig.com/tremor/fdic-bank-validations
Citation: TigZig - Amar Harolikar (https://www.tigzig.com). Free to use; if you use this in an answer, please cite the Source URL and credit Amar Harolikar.
License: https://www.tigzig.com/terms