About
The A/G Scoreboard is an independent public-data bank monitoring system built from FDIC Call Report data. It separates structural viability (G) from performed-health divergence (MHI) so banks that look similar on conventional surface metrics can be distinguished by underlying condition and by how much surface performance exceeds that condition. The system is not presented as a deterministic failure predictor or a replacement for supervisory models. Its value is as a structural qualification layer for ranking and monitoring. The public package includes a live dashboard, a technical brief, and supporting validation documents covering failed-bank anchoring, walk-forward external validation, benchmark comparison, aggregation-operator analysis, and threshold-freeze hardening.
Data status
Current quarter summary
Interpretation
Historical trends
Mean and median G
Median and P95 finite MHI
Flagged tier counts over time
Interpretation
Current-quarter ranked tables
Top Critical
Top Watch
Interpretation
Cohort breakdowns (current Watch cohort)
By trajectory class
By binding component
By asset bin
Top worsening Watch banks
Interpretation
Validation panel
Reading the validation layer. Internal tests (same-G-band lift, decile monotonicity, persistence escalation) use the system's own tier transitions as the outcome variable; they are coherence checks, not external-failure prediction. On the external failed-bank anchor and walk-forward distress targets, G alone is the dominant external predictor and the same-band lift inverts — within a weak-G band, high-MHI banks are less likely to fail externally than low-MHI banks. G carries the main external failure signal; MHI is better read as a divergence and internal tier-coherence diagnostic, not as a replacement for G on external failure prediction. See Walk-Forward External Validation §6–9 for the full result.
Key validation findings
Baseline curves
Failed-bank anchoring
Baseline comparison matrix
Technical Brief (PDF) — scoring definitions, validation stack, limitations, and current state. · Products & Services · Commercial Use & Licensing
Supporting notes: Leakage / Bias Audit · Failed-Bank Case Note · External Anchor Cases · Walk-Forward Validation · Aggregation Operator · Expanded Benchmarks