Peer reviews

AI-assembled from public SEC filings

Regional banks peer review

Descriptive comparison assembled from public SEC filings and verified companyfacts.

Descriptive comparison — not investment advice. This feature-specific review is assembled from a frozen evidence pack of public SEC filing quotes and verified SEC companyfacts numbers. It is descriptive only and makes no judgment about which company is better. It is not a rating, recommendation, endorsement, forecast, or investment advice. Figures are as of their cited filing dates. See Disclaimer.

Methodology

Mechanical regional-bank cluster: U.S. bank holding companies in the existing grepcent universe with SEC SIC 6021 or 6022, latest reported assets between $150 billion and $700 billion, excluding the megabanks JPM/BAC/WFC/C and trust/custody banks BNY/STT/NTRS.

The cluster is selected mechanically from SEC SIC 6021 National Commercial Banks and SIC 6022 State Commercial Banks, then filtered to the large-regional asset band using latest SEC companyfacts total assets already shown on grepcent company pages. The review publishes no proprietary index-membership labels.

Verified Quantitative Matrix

Numbers are templated from frozen SEC companyfacts-derived facts already verified by grepcent. Fiscal periods and filing dates are shown in each cell; comparability markers use day-level period ends and reported XBRL source concepts.

Code-computed comparisons

• Reported efficiency ratio range: range endpoints are MTB (56.69%) and CFG (64.40%). Calendar period: 2025-Q4. Computed from facts NUM_MTB_EFFICIENCY_RATIO_FY2025 and NUM_CFG_EFFICIENCY_RATIO_FY2025; comparability: period aligned; reference 2025-12-31; offsets CFG 0d aligned, FITB 0d aligned, HBAN 0d aligned, KEY 0d aligned, MTB 0d aligned, PNC 0d aligned, RF 0d aligned, TFC 0d aligned, USB 0d aligned; tags clean; no authored numeric comparison.
• Return on assets range: range endpoints are CFG (0.81%) and RF (1.36%). Calendar period: 2025-Q4. Computed from facts NUM_CFG_ROA_FY2025 and NUM_RF_ROA_FY2025; comparability: period aligned; reference 2025-12-31; offsets CFG 0d aligned, FITB 0d aligned, HBAN 0d aligned, KEY 0d aligned, MTB 0d aligned, PNC 0d aligned, RF 0d aligned, TFC 0d aligned, USB 0d aligned; tags mixed; concepts us-gaap:Assets, us-gaap:NetIncomeLoss, us-gaap:ProfitLoss; concept mapping CFG -> us-gaap:Assets + us-gaap:NetIncomeLoss; FITB -> us-gaap:Assets + us-gaap:NetIncomeLoss; HBAN -> us-gaap:Assets + us-gaap:NetIncomeLoss; KEY -> us-gaap:Assets + us-gaap:NetIncomeLoss; MTB -> us-gaap:Assets + us-gaap:NetIncomeLoss; PNC -> us-gaap:Assets + us-gaap:ProfitLoss; RF -> us-gaap:Assets + us-gaap:NetIncomeLoss; TFC -> us-gaap:Assets + us-gaap:ProfitLoss; USB -> us-gaap:Assets + us-gaap:NetIncomeLoss; no authored numeric comparison.
• Total deposits range: range endpoints are RF (131,128,000,000) and USB (522,216,000,000). Calendar period: 2025-Q4. Computed from facts NUM_RF_TOTAL_DEPOSITS_FY2025 and NUM_USB_TOTAL_DEPOSITS_FY2025; comparability: period aligned; reference 2025-12-31; offsets CFG 0d aligned, FITB 0d aligned, HBAN 0d aligned, KEY 0d aligned, MTB 0d aligned, PNC 0d aligned, RF 0d aligned, TFC 0d aligned, USB 0d aligned; tags clean; no authored numeric comparison.

Market-risk companion: risk and factor comparison from lmfin. It is descriptive and separate from the SEC fundamentals review.

Narrative Matrix