How to View Your Bank Data on the Capstack Technologies Platform

03 Dec 2024 By John Roberts

In this guide you will learn how to navigate the CapStack Technologies platform to view your bank's profile . Once logged in, you can view Capstack Insights on your bank, review key metrics such your credit profile, capital position, profitability, and basic bank information. This data is helpful in assessing any bank's underwriting strength and overall financial health and is available to all of our registered clients. Any registered client has the capability to pull up similar data on any bank or credit union.

Let's get started

Today, we will use SmartBank as an example.

The first thing we generate are insights on your bank. In this case, the first insight is your commercial real estate exposure.

Here you are at 340% total capital in commercial real estate loans. That is above the FDIC upper guideline of 300% total capital in CRE. In this case, Capstack would identify you as a potential seller of commercial real estate loans. We generate many insights but only display the top three.

If you want to see more insights, simply click on "Show More Insights" to view the many additional insights below.

Step #2: Click on "Show more insights" — Click on "Show more insights"

To reduce the number of insights displayed, click on "Show Fewer Insights," at the very bottom of insights and all but the top three will be hidden.

Step #3: Click on "Show fewer insights" — Click on "Show fewer insights"

Scroll down below the insights to see your bank's credit profile.

scroll down to "Credit Profile"

A bank considering purchasing loans from another bank might be interested in the selling bank's underwriting quality. In this case, non-performing loans are only 0.19%, indicating that SmartBank is a strong underwriter with few problem loans.

Continue scrolling down to the display of your bank's capital data, ratios, risk weight, and loan to deposit ratio.

Step #5: scroll down to "Capital" — scroll down to "Capital"

As you continue to scroll down we display profitability and return on capital metrics.

Step #6: scroll down to "Profitability" — scroll down to "Profitability"

And finally on the bottom left side we show basic bank information such as FDIC Number, Charter Class, Total Assets and Total Deposits.

Step #7: scroll down to "Bank Information" — scroll down to "Bank Information"

Now scrolling up from the bottom right side we can see the deposit mix,

Step #8: scroll up looking at the right side — scroll up looking at the right side

the composition of the funding mix.

Step #9: scroll up to "Funding Mix" — scroll up to "Funding Mix"

A breakdown of the liquidity portfolio,

Step #10: scroll up to "Security Mix" — scroll up to "Security Mix"

and most important, the loan portfolio

Step #11: scroll up to "Loan Mix" — scroll up to "Loan Mix"

Finally we show the total balance sheet.

Step #12: scroll up to "Asset Mix" — scroll up to "Asset Mix"

And that is a quick overview of what your bank will look like when you're logged into the system. Thank you.