Skip to main content

Editorial Policy

Last updated: June 2026

This page explains who is behind BankHealthData, how our pages are produced, and the standards every page on bankhealthdata.com is held to. We publish it so readers, journalists, and search engines can judge our work by a clear, stated process rather than guesswork.

Who runs BankHealthData

BankHealthData is an independent publication built and maintained by the BankHealthData Team. We are not funded, owned, or directed by any of the agencies, companies, or organizations that appear in our data. We do not accept paid placements, sponsored rankings, or fees to add, alter, or remove an entry. Our editorial judgment is not for sale.

How our content is produced

BankHealthData covers U.S. bank and credit union financial health. Our pages are assembled programmatically from the FDIC BankFind Call Report API: we fetch the primary records, process them with documented, repeatable methods, and render them as pages a non-specialist can read. We pull the last eight quarters of FDIC Call Report filings via the FDIC BankFind API for every insured institution and compute four scoring factors: Tier 1 capital ratio (35% weight), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%). The composite produces a 0-100 health score that translates to an A-F letter grade.

We are transparent that this is a data-publishing operation, not a wire service of on-the-ground reporters. Where we add narrative, that narrative describes and interprets the underlying public data — it never invents facts the data does not contain. Automated assembly is reviewed against the source, and the methodology behind any score or ranking is documented and linkable.

Editorial standards

  • Primary source only. Every figure traces back to the FDIC BankFind Call Report API, cited and linkable on the page where it appears.
  • No invented numbers. If a value is not in the underlying public data, it does not appear on bankhealthdata.com. We never generate synthetic statistics to fill gaps.
  • Documented methodology. Rankings, grades, and composite scores are editorial calculations derived from public data using stated, repeatable formulas — not certifications or endorsements.
  • Dated and refreshed. Refreshed quarterly, within roughly 30 days of each FDIC Call Report filing deadline. Call Reports are filed within 30 days of each quarter-end, so the dataset typically reflects the most recent quarter’s position within 60-90 days of the reporting date.
  • Corrections welcome. When a reader or the source identifies an error, we fix it — see our Corrections Policy.

Verification and fact-checking

Because our numbers come straight from the FDIC BankFind Call Report API, our verification work is about faithful processing rather than re-reporting. The detail of how we check figures before publication is described in our Fact-Checking Policy.

Ownership and funding transparency

BankHealthData is part of a small portfolio of independent public-data sites. The site is free to read and carries no display advertising. We do not sell personal data. Where an outbound link is an affiliate link, it is disclosed and never changes our editorial judgment.

Contact

Questions about how a page was produced, or about these standards? hello@bankhealthdata.com. See also our About page and our Corrections Policy.