bankcalcs.net

Disclaimer: These calculations are for general reference only. Inputs, formulas, source definitions, and conclusions should be independently checked against current regulatory guidance, loan documents, accounting records, and bank policy before being relied on.

Bank Management Calculators

Use FDIC Bank Lookup to populate Bank Management fields, or type your own numbers directly into the calculators.

FDIC Bank Lookup^a City State FDIC Cert Matching Banks Reporting Quarter^b

Credit Analysis Calculators

Payment Calculators

Payoff Calculator

This calculator is for loans with defined terms where repayment has been irregular. Use it to estimate how received payments apply to interest and principal, and what remains owed. Enter original terms and actual payments/dates below.

Original Loan Amount Rate Term Months Loan Date Payoff Date Day Count

Original Maturity Date: . Original Payment Amount: $0.00.

Payment Date	Payment	Days	Interest Paid	Principal Paid	Principal Balance
		0	$0.00	$0.00	$0.00
		0	$0.00	$0.00	$0.00
		0	$0.00	$0.00	$0.00
Total	$0.00		$0.00	$0.00	$0.00

Source Data

^a FDIC BankFind Suite API provides public FDIC-insured institution and financial data used by the optional bank lookup. FDIC BankFind Suite API Documentation
^b FDIC financial records identify the reporting period with REPDTE, the report date used here as the quarter selector. FDIC BankFind Suite API Documentation
^c FFIEC Call Report Schedule RC-R defines the Tier 1 leverage ratio as Tier 1 capital divided by total assets for the leverage ratio. FFIEC 051 Instructions, Schedule RC-R
^d FFIEC Call Report Schedule RC-R defines total risk-based capital ratio as total capital divided by total risk-weighted assets; this same source supports the risk-based capital ratio line. FFIEC 051 Instructions, Schedule RC-R
^e 12 CFR 217.32 and FFIEC Schedule RC-R instructions provide standardized risk-weight categories. Qualifying residential mortgage loans are generally reported at 50%, while other exposures may receive 0%, 20%, 50%, 100%, 150%, or other treatment depending on exposure type, guarantee, collateral, delinquency status, and the applicable capital rule. This worksheet is a simplified illustration and should be checked against Schedule RC-R. 12 CFR 217.32 FFIEC 051 Schedule RC-R
^f FFIEC Call Report Schedule RC-R defines Tier 1 and Tier 2 capital components used with total risk-weighted assets in regulatory capital ratio calculations. FFIEC 051 Instructions, Schedule RC-R
^g FFIEC UBPR summary-ratio guidance includes net interest income as a percentage of average earning assets. This site uses a simplified non-tax-equivalent version. FFIEC UBPR User Guide: Summary Ratios
^h FFIEC UBPR asset-yield and funding-cost guidance supports comparing earning-asset yields with funding costs; this site presents the spread as asset yield less funding cost. FFIEC UBPR User Guide: Asset Yields and Funding Costs
ⁱ OCC earnings guidance references ROAA and ROE as earnings measures. OCC Comptroller's Handbook: Earnings
^j Tangible common equity ratio is commonly presented as tangible common equity divided by tangible assets; confirm exact treatment of goodwill, intangibles, preferred equity, and AOCI with policy or reporting guidance. OCC Comptroller's Handbook: Capital and Dividends
^k FFIEC UBPR noninterest income and expense guidance defines efficiency ratio as overhead expense divided by net interest income plus noninterest income. FFIEC UBPR User Guide: Noninterest Income and Expenses
^l FFIEC UBPR asset-yield and funding-cost guidance includes cost of interest-bearing funds as interest expense divided by average interest-bearing funds. FFIEC UBPR User Guide: Asset Yields and Funding Costs
^m FFIEC UBPR liquidity guidance includes Liquid Assets as a percent of Total Assets. FFIEC UBPR User Guide: Liquidity & Funding
ⁿ OCC: Loan-to-value guidance describes LTV as loan amount divided by collateral/property value. OCC Commercial Real Estate Lending Handbook
^o FDIC: Debt-to-net-worth is cited as a leverage measure in leveraged lending risk guidance. FDIC RMS Manual, Loans Section
^p Cap rate is commonly calculated as net operating income divided by property value. Confirm NOI and valuation definitions against the applicable appraisal, rent roll, underwriting policy, and credit agreement. OCC Commercial Real Estate
^q CFPB: Mortgage amortization uses a standard mathematical formula for principal-and-interest payments; this site applies that payment formula to the entered loan amount, rate, and term, excluding taxes, insurance, and PMI. CFPB mortgage payment explanation
^r Day-count interest calculations use 30/360 or Actual/360 conventions. Confirm the required convention in the note, loan agreement, or bank policy. 12 CFR day-count convention reference