Bank Lending Exposure by ZIP Code: the Dataset
The summary of deposits places every branch of every bank in a ZIP code with its deposits. Join that to each bank's stress score and you get a map of where stressed lenders hold the market. The ZIP exposure dataset is that join, one row per bank per ZIP, and it is the largest table in the bank layer.
- Bank exposure by ZIP: 631,101 rows.
- 33,458 distinct zip entries across 54 states for Bank exposure by ZIP; scope the United States.
- Bank exposure by ZIP newest valid record: Mon Oct 19; status "fresh" for bank-zip-exposure, within its 7-day freshness window.
- Bank exposure by ZIP is sold inside 3 list packages: us-county-stress-report, us-state-stress-file, us-bank-exposure-monthly.
bank-zip-exposure: the ZIP exposure table figures as of Tue Oct 20; registry entry bank-zip-exposure.
| Bank exposure by ZIP | Registry value |
|---|---|
| Scope of the ZIP exposure table | the United States |
| Keyed by | zip |
| Bank exposure by ZIP rows | 631,101 |
| Geographies | 33,458 |
| States | 54 |
| Status of the ZIP exposure table | fresh |
| Freshness window | 7 days |
| Newest the ZIP exposure table record | Mon Oct 19 |
Registry facts for Bank exposure by ZIP.
What is in the ZIP exposure table
Rows carry the ZIP, the bank, branch count, deposits, the bank's share of ZIP deposits, the bank's stress score and the ZIP's deposit-weighted stress. State, county and ZIP rollups are computed from it.
How the ZIP exposure table is used
Investors read a ZIP's weighted stress to judge whether local credit will tighten; the county and state stress reports and the monthly national file all draw from it.
Freshness of the ZIP exposure table
Every six hours bank-zip-exposure is re-checked (Bank exposure by ZIP); lists on bank-zip-exposure are withdrawn once bank-zip-exposure rows are older than 7 days. For Bank exposure by ZIP: Branch data loads annually with the FDIC release; stress scores update daily, so the weighted figures move daily.
Use the ZIP exposure table
Bank stress by state shows the exposure maps, and the monthly national file delivers every bank-ZIP row.
bank-zip-exposure is checked in the registry before sale.
Bank Lending Exposure by ZIP Code: the Dataset: questions
Does a branch mean the bank lends in that ZIP?
It means the bank gathers deposits there, which is the best public proxy for a local lending footprint.
How current is bank exposure by zip right now?
Bank exposure by ZIP: newest valid record Mon Oct 19; bank-zip-exposure is "fresh" against a 7-day threshold for Bank exposure by ZIP.
More on the ZIP exposure table
Bank Lending Exposure by ZIP Code: the Dataset (bank-zip-exposure) is fed by registry entry bank-zip-exposure and is not legal advice. Nothing in the ZIP exposure table is tax or investment advice; verify every bank-zip-exposure record with the issuing office before acting.