Distributions
Bank Asset Distribution
Log₁₀ total assets ($000s). Median bank has $214M in assets; the distribution is heavily right-skewed.
NIM Distribution
Net interest margin (%). Winsorized at 1st/99th percentiles. Mean = 3.66%, Median = 3.62%.
Asset Growth vs. Deposit Growth
2D histogram of quarterly growth rates. Strong positive correlation along the diagonal; off-diagonal mass reflects funded vs. unfunded growth.
Darker cells indicate higher observation density. Growth rates winsorized at 1st/99th percentiles.
Size Decile Summary
| Decile | Avg NIM | Avg ROA | Avg Ln(Assets) | Banks | Obs |
|---|
Data Sources
Federal Data Pipeline
| Source | Agency | Frequency | Coverage |
|---|---|---|---|
| BankFind Financials | FDIC | Quarterly | 2010–2025 |
| Summary of Deposits (SOD) | FDIC | Annual | 2010–2025 |
| Institution History | FDIC | Event-based | Merger/acquisition events |
| FRED Rates | Federal Reserve | Daily/Quarterly | Fed funds, prime, treasury yields |
373,220 bank-quarter observations. 8,032 unique FDIC-insured commercial banks. All data are free and publicly available.
Reproducibility
Full Pipeline
Every download is scripted and every result can be reproduced from scratch. The pipeline covers raw FDIC data ingestion, panel construction, variable engineering, model estimation, and robustness checks.