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NDFI Analytics - US Bank Exposure to Non-Bank Lenders

Published: March 31, 2026

NDFI Analytics - interactive tool covering US bank exposure to non-bank lenders. FFIEC Call Reports. 629 banks. 5 quarters. System and bank level.

Stress scenarios, CET1 concentration, ACL coverage, nonaccrual rates, commitments. Filter by asset size, view by subcategory, click any bar to see the banks behind it. Data explorer to cut your data with custom filters.

Which $100B+ banks have NDFI exceeding 150% of CET1? What does a 15% loss scenario do to capital after reserves? Which banks have the thinnest reserve coverage?

Validated against FDIC BankFind API, FRED Series, and FDIC Quarterly Banking Profile. 8 levels of validation. Variances published. Methodology with MDRM codes.

Full data download.

tremor.tigzig.com ➔ US NDFI

NDFI Analytics Tool

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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

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

Live on tremor.tigzig.com ➔ US NDFIBuilt by Analyst. For Analysts

The questions you can answer

Amar Harolikar. Decision Sciences & Applied AI 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

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

Analysis with stress scenarios, exposure analysis and potential for systemic risk.

Get to insights fast

Amar Harolikar. Decision Sciences & Applied AI 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

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

Full data download provided

Methodology

Amar Harolikar. Decision Sciences & Applied AI tremor.tigzig.com

Detailed methodology including the MDRM codes used for variables and formulas

Validations

Amar Harolikar. Decision Sciences & Applied AI 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

Macro Early Warning Signals

Part of the Tigzig analytics suite - 40+ tools at tigzig.com

Amar Harolikar. Decision Sciences & Applied AI tremor.tigzig.com