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ARCPeerAnalytics · AVAILABLE

Peer context that reflects your actual strategy.

Build peer groups that actually resemble your institution, then compare coverage, loss rates, concentrations, and mix, with your own reconciled loans on one side of every comparison. Review every CAMELS-related area from public call report data, for board reporting and exam prep.

Built on the same reconciled loan record as ARC-CECL and ARC-ALM.

4DIMENSIONS TO DEFINE A PEER SET: ASSET SIZE, GEOGRAPHY, CHARTER TYPE, LENDING MIX
PEER SET · YOU DEFINECOVERAGE RATIO · VS PEERS
CRE CONCENTRATION · PERCENTILEBOARD PACKET · IN CONTEXT
Trusted by 250+ banks and credit unions since 2010
CUSTOM PEER GROUPSPERFORMANCE IN CONTEXTBOARD-READY INTELLIGENCESTRATEGIC DISCOVERY

Your regulatory peer group may be statistically valid and strategically irrelevant.

The comparison, ready before the board asks

When the board asks how you compare, you need meaningful context, not a later research project. ARCPeerAnalytics works with available peer data, custom peer groups, visualizations, and approved reporting capabilities.

Illustrative example
38 PEERS MATCHED AVAILABLE
Asset size · $800M–$2B✓
Geography · 4 states✓
Charter · commercial bank✓
Lending mix · CRE-heavy✓

Custom peer sets

Define comparison groups by asset size, geography, charter type, and lending concentration.

Illustrative example
COVERAGE RATIO AVAILABLE
You · 1.18%Peer set median

Allowance benchmarking

Compare coverage ratios and loss rates by segment against the peers who actually look like you.

Illustrative example
CRE CONCENTRATION AVAILABLE
Peer set · 38You · P64

Concentration comparison

See how your CRE, construction, and consumer concentrations stack up against the peer distribution.

Illustrative example
LENDING MIX AVAILABLE
CRE
C&I
Indirect auto
Residential
Consumer
YouPeer set median

Portfolio mix comparison

Put your lending mix beside the peer set to explain where, and why, you differ.

Illustrative example
WHERE TO LOOK · 3 AVAILABLE
Indirect auto growth · P92▸
Office CRE concentration · P82▸
Funding mix · P55▸
Consumer unsecured · in line✓

Strategic discovery

Surface the performance questions worth investigating before a planning cycle, expansion, or acquisition conversation.

Illustrative example
BOARD PACKET AVAILABLE
01 Peer set · how it was built
02 Coverage vs peer set
03 Concentration comparison
04 Lending mix · you vs peers
05 CAMELS review · from call reports

CAMELS review, board-ready

Review every CAMELS-related area against peers using public call report data, with the peer context already attached for the board and exam prep.

DEFINE THE PEERS. ANSWER THE BOARD.

From peer question to board-ready answer.

Build the comparison group once, then every performance question arrives with relevant context.

01
DEFINE THE PEER QUESTION

What is the board, strategy team, or lending leader actually asking?

02
SELECT MEANINGFUL PEERS

Institutions that reflect your strategy and market, not a default regulatory comparison.

03
COMPARE AND INTERPRET

Coverage, loss rates, concentrations, and mix measured the same way on both sides.

04
PREPARE THE BOARD ANSWER

The comparison is written down so it holds up when it is questioned.

01
BENCHMARK PERFORMANCE

See where you sit relative to comparable institutions.

02
EXPLAIN THE GAPS

Where you differ, say why, with the data attached.

03
IDENTIFY WHERE TO LOOK NEXT

Turn the comparison into the strategic question worth investigating.

04
REPORT WITH CONTEXT

Peer comparisons can help you explain a qualitative adjustment. They’re shown as context, documented separately, and never replace your own loss history.

[WHY IT MATTERS]

Answer “is this reasonable?” with data.

Industry data tells you what’s typical, and that’s exactly what a benchmark is for. Peer comparisons can help you explain a qualitative adjustment. They’re shown as context, documented separately, and never replace your own loss history.

▸ See it on your loans
COVERAGE RATIO VS PEERSAllowance ÷ loans · 38 peers by size, geography, charter, mixYou · 1.18% · P78P10P25P50P75P90Peer distributionYour institution
ILLUSTRATIVE EXAMPLE · COVERAGE RATIO AGAINST A PEER SET YOU DEFINE, WITH YOUR POSITION ON THE DISTRIBUTION
WHO IT IS FOR

Built for every seat
at the table

[OPERATING USER]

Finance, strategy, and lending leaders

A more relevant peer group and faster access to the performance context that informs executive and board conversations.

[CEO AND CFO]

A better basis for where to investigate, invest, or act next

Strategic performance understood in context, before the planning cycle, the expansion question, or the acquisition conversation.

[BOARD]

Meaningful context, not a later research project

When the board asks how you compare, the answer is already in the packet.

Talk through your peer group with an ARCSys specialist

Bring the number you were last asked to justify.