Welcome to
CharterIQ
Trajectory Intelligence for Banks
Understand where institutions are going — not just where they are.
Institutions
Quarters
Diagnostic flags
Latest period
Historical failure trajectories
2023's three largest U.S. bank failures · composite score path to T=0
Portfolio surveillance
Who's deteriorating, where risk is concentrating, which cohorts are shifting.
In development4,127 institutions monitored
Early warning
Which current banks match the trajectories of historical failures.
In developmentTrajectory pattern matching
Institution analysis
Single-bank deep dive with full metric breakdown and narrative.
Beta30+ metrics, 36 quarters
Charter acquisition
Stress-test de novo projections and acquisition pro formas.
In developmentCharter pathway analysis
Sponsor bank intelligence
Fit scoring, discovery, and ongoing health monitoring of confirmed sponsors.
In developmentSponsor registry & fit scoring
Exam & enforcement
CAMELS-style narratives, examiner Q&A, and enforcement action tracking.
In developmentEnforcement corpus
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