Spring Creek Advisory
Purpose-built analytical tools for credit managers, CCOs, and bank risk professionals. No login required during beta.
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Determines the correct FFIEC Schedule RC-C, Part I loan classification for a given credit. Enter the borrower type, loan purpose, collateral, and lien position — the tool works through the FFIEC decision tree and returns a coded result with a plain-English rationale.
What sets it apart: full cross-collateralization support. The tool applies the FFIEC 50% collateral test across multiple pledged assets, handles abundance-of-caution analysis, and correctly applies the special farmland exclusion rule for agricultural loans. If the credit structure is complicated, the tool keeps up.
Best for: Call Report preparers · Credit officers · Loan review · Examiners
Open ToolDetermines whether a construction or land development loan must be classified as High Volatility Commercial Real Estate (HVCRE) ADC — and therefore subject to a 150% risk weight for regulatory capital purposes. The underlying regulation is notoriously difficult to apply; this tool makes the analysis systematic.
The tool walks through the full ADC determination, evaluates all six statutory exemptions in order, and — when Exemption F is at issue — runs the 15% contributed capital test item by item, distinguishing eligible from ineligible sources and flagging conditional items that need documentation. Includes a land contribution calculator that handles appreciated value and lien deductions per the final rule.
Best for: Credit officers · Capital compliance · Loan review · Examiners
Open ToolPrices a commercial loan two ways from the live forward SOFR curve: a floating SOFR-plus-spread quote and its fixed-rate equivalent with identical expected economics. Side-by-side payments, total interest, rate scenarios, and the breakeven versus market expectations.
What sets it apart: enter your bank's FDIC cert number and the tool analyzes your institution's actual cost of funds against SOFR from public Call Report data — rising- and falling-rate funding betas, repricing lag, and projected margin on the loan over your own projected funding costs.
Best for: Lenders · CFOs · ALCO · Loan pricing committees
Open ToolEstimates the market value of Nebraska agricultural land for internal bank collateral analysis. Build a parcel with multiple tracts — each with its own acreage, land use type (irrigated cropland, dryland, grassland, CRP), and Nebraska assessor quality class (LVG 1–7 for cropland, Grass Class 1–6 for grassland).
Values are derived from the UNL Farm Real Estate Market Survey (2022–2024), weighted toward recent years and adjusted for quality class. Add comparable sales to blend a market adjustment into the estimate, and county assessor improvement values (bins, sheds, tile) for a total property estimate. Output includes a formatted credit memo summary.
Best for: Ag lenders · Credit officers · Loan review · Farm real estate collateral
Open ToolStress-tests a commercial real estate loan by modeling the impact of rising interest rates, cap rate expansion, and increased vacancy on DSCR, LTV, and Debt Yield. Supports multifamily, retail, office, hotel, and industrial property types, each with the appropriate occupancy unit (units, square feet, or rooms).
Outputs include base-case metrics with color-coded policy thresholds, individual stress tables for rate, cap rate, and vacancy, a combined DSCR matrix showing the full rate × vacancy grid, predefined mild/moderate/severe combined scenarios, and breakeven occupancy at the current interest rate.
Best for: CRE lenders · Credit officers · Loan review · Credit committees
Open ToolEstimates the Allowance for Credit Losses (ACL) required under ASC Topic 326 (CECL) using the Loss Rate Method applied to public FDIC Call Report data. Enter your institution's certificate number, select a historical look-back period, and characterize the expected loss environment.
The tool builds a peer group of FDIC-insured banks of similar asset size, constructs an empirical distribution of annual net charge-off rates across that peer group, and applies the corresponding loss rate — adjusted by segment and Weighted Average Remaining Maturity — to estimate a CECL-compliant reserve by loan type. Includes a full auditor-ready methodology disclosure.
Best for: CFOs · Controllers · Loan review · External auditors · Examiners
Open ToolIn Development
These tools are in development. Sign up for the beta list to be notified when they launch.
Description of a tool you plan to build. Placeholder until ready.
Description of a tool you plan to build. Placeholder until ready.
Description of a tool you plan to build. Placeholder until ready.