Welcome to
CharterIQ
Trajectory Intelligence for Banks
Understand where institutions are going — not just where they are.
Institutions
4,512
Quarters
32
Diagnostic flags
147,830
Latest period
Q4 2025
Live trajectory match
3 active institutions tracking historical failure paths
Portfolio surveillance
Who's deteriorating, where risk is concentrating, which cohorts are shifting.
12 newly RED · 18 escalations Q/Q
Early warning
Which current banks match the trajectories of historical failures.
3 active matches · TexasBank at T-4 equiv.
Institution analysis
Single-bank deep dive with full metric breakdown and narrative.
42 metrics · CAMELS narrative + flag diagnostics
Charter acquisition
Stress-test de novo projections and acquisition pro formas.
5 pro formas · 30+ pending applications
Sponsor bank intelligence
Fit scoring, discovery, and ongoing health monitoring of confirmed sponsors.
47 sponsors · 3 under elevated watch
Exam & enforcement
CAMELS-style narratives, examiner Q&A, and enforcement action tracking.
22 institutions · exam-ready briefings on demand
Recent intelligence
- 07:42 EDTSouthern Bancorp entered RED band · velocity +23.8 pts/qtrSurveillance
- 06:15 EDTTexasBank trajectory matches 78% of slow-bleed archetype · T-4 equivalentEarly warning
- 22:08 EDTSmartBiz Bank pro forma submitted · de novo projection challenge queuedCharter
- 19:33 EDTHeartland Community flag clustering detected · 5 high-severity flags Q/QSurveillance