About

See where a bank is heading, 18 months out

Ask Statum forecasts where a bank's grade is going, not just where it stands today. The forecast is validated out of sample to land within one grade about nine times out of ten, and it's sharpest on the banks whose trajectory is turning, so you see the direction before it shows up in the filings.

S&P and SNL tell you what a bank reported last quarter. Statum tells you where it's going. And you ask in plain English, no six-figure seat, no analyst in the loop.

Why it's different from the tools you know

It forecasts, and proves it. An 18-month-ahead grade forecast, tested on years of data the model never saw, landing within one grade about 91% of the time, and reading the turn early on the banks that are actually moving. S&P Global and SNL give you no forward view at all. They report the past.
Proven alongside the FDIC. The FDIC selected Amberoon, the company behind Statum, as one of 14 firms in its Rapid Phased Prototyping tech sprint to modernize bank reporting and help regulators spot risk early, and Statum's forecasting grew directly out of that work on predicting bank distress. It's built around the same Call Report data and CAMELS lens examiners use, so it's regulator-ready by design, not a generic data feed you have to translate.
Every number traces to the filing. It all comes from the bank's own FFIEC Call Report. Nothing is estimated or invented, so a forward read comes with the auditability of a regulatory document.
It's made for community and regional banks. Enterprise-grade analytics, in plain language, for the institutions the big providers price out, not just the largest banks with an analyst bench.

What you can use it for

See where one bank is heading: capital, profitability, credit quality, deposits, loans, and the direction of each.
Get a bank's Statum grade, its forecast, and how it stacks up against its peers.
Compare banks side by side, or find the strongest, or the ones turning down, on any measure.
Read how the industry, or a group of banks, is shaping up this quarter and next.

What to expect

Current figures come from the bank's own filing, not a guess. The forecast is a model output, validated out of sample, and Statum shows it as a forecast, not a promise.
It covers US banks that file FFIEC Call Reports, roughly 4,400 institutions. Not credit unions, foreign banks, or holding companies. It reads the call report, so it covers what a bank files, not what its shares trade at.
Ask about a bank it doesn't cover, or one that failed or merged away, and it tells you plainly rather than invent an answer. It does not give investment, legal, or financial advice.

Start here

Just ask, in plain words:

Where is [your bank] headed over the next year?
Which banks look like they're turning down?
Compare [Bank A] and [Bank B].

Open Ask Statum See how it works

Statum is by Amberoon. Data source: FFIEC Call Reports. Statum does not provide investment, legal, or financial advice.