CDFI and MDI peer benchmarking tool using FDIC call report data.
Pull call report financials for any FDIC-insured CDFI or MDI, compute key performance metrics, build a peer group of similar institutions, and generate a benchmarking report — using the free FDIC BankFind Suite API, no API key required.
CDFI banks and MDIs benchmark their performance against peers manually — pulling call report data from FFIEC, computing ratios in Excel, and building comparison tables by hand. cdfi-benchmark automates the entire workflow in Python.
pip install cdfi-benchmark
from cdfibenchmark import (
get_financials, build_peer_group,
generate_report, summary_table,
)
# Pull call report data for Broadway Federal Bank (CERT 57542)
institution = get_financials(cert=57542)
# Build peer group — similar asset size, no API key needed
peers = build_peer_group(institution, same_state=True)
# Generate benchmarking report
report = generate_report(institution, peers)
print(report)
# Get results as DataFrame
df = summary_table(institution, peers)
from cdfibenchmark import build_sample_peer_group
from cdfibenchmark.data.schema import InstitutionProfile
institution = InstitutionProfile(
cert=57542,
name="Broadway Federal Bank",
city="Los Angeles",
state="CA",
report_date="20241231",
total_assets=655_000,
total_deposits=520_000,
net_loans=380_000,
net_income=1_950,
interest_income=28_000,
interest_expense=8_000,
non_interest_income=3_500,
non_interest_expense=22_000,
total_equity=48_000,
tier1_ratio=12.2,
)
peers = build_sample_peer_group(institution)
report = generate_report(institution, peers)
print(report)
| Metric | Description | Benchmark (Strong) |
|---|---|---|
| NIM | Net Interest Margin | >= 3.5% |
| Efficiency Ratio | Non-interest expense / Revenue | <= 60% |
| ROAA | Return on Average Assets | >= 1.0% |
| ROAE | Return on Average Equity | >= 10% |
| Tier 1 Capital Ratio | Regulatory capital ratio | >= 12% |
| Loans-to-Deposits | Loan utilization | <= 80% |
| NPL Ratio | Non-performing loans / Gross loans | <= 1.0% |
| Reserve Coverage | Loan loss reserve / NPLs | >= 100% |
- micro — Under $50MM
- small — $50MM to $250MM
- medium — $250MM to $1B
- large — $1B to $5B
- mega — Over $5B
FDIC BankFind Suite API — free public API, no authentication required. Data covers all FDIC-insured institutions with quarterly call report data since 1934.
https://banks.data.fdic.gov/api
PYTHONPATH=. pytest tests/ -v
27 tests across all modules.
- CDFI banks and credit unions benchmarking against peers
- MDI management teams preparing board reports
- CDFI Fund analysts reviewing institution performance
- Impact investors evaluating CDFI bank investments
- Researchers studying community banking performance trends
MIT 2026 Jaypatel1511