Spring Creek Advisory
Standing analyses of the banking industry built from public regulatory data — peer rankings, funding behavior, and franchise quality across every FDIC-insured institution. No login required during beta.
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Five-pillar peer rankings for every FDIC-insured bank, built from public call report data. Named for the aquifer — a deep source that keeps a creek flowing through drought — the score measures whether a bank runs on stable funding and disciplined management, or on funding that evaporates when conditions turn.
What sets it apart: rate-cycle behavior, not just point-in-time ratios. The score grades how each bank’s deposit costs and asset yields actually moved through both the rising- and falling-rate environments since 2018 — pricing discipline in both directions — alongside through-the-cycle credit performance, overhead, and tent-scored franchise growth. Build your own peer group by state and asset size; star ratings recompute against the peers you choose.
Best for: Bank executives · M&A and investor analysis · ALCO · Examiners
Open AnalysisA morning-glance economic dashboard for an agriculturally-concentrated community bank. It consolidates interest-rate, crop, and livestock signals into a single board so credit and executive teams can see, at a glance, what changed overnight and why it matters to the loan book.
Every tile explains itself in plain English — what it measures, why the bank watches it, and how to read its direction — with sparklines, daily/30-day/year-over-year change, and red/amber/green thresholds tied to risk appetite. Beyond raw feeds it computes blended signals like the 2s/10s spread, local grain basis, and crop margin-over-cost that translate market data into borrower cash-flow and collateral read-throughs. Built entirely on public data (U.S. Treasury, FRED, NY Fed, USDA AMS) and refreshed daily. Tier 1 of six planned lenses.
Best for: Credit administration · Ag & commercial lenders · ALCO / board
Open DashboardIn Development
More standing analyses are in development. Sign up for the beta list to be notified when they launch.
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