Bank-Batch ZIP Clusters: the Dataset
A ZIP is not an island; it is part of a bank's footprint, a price cycle and a distress pattern. The cluster layer groups ZIPs that share a lead bank and a distress profile, assigns each a capital strategy and an action, and keeps the result as one row per ZIP. It is the fourth layer of the stack and the basis of the bank batch lists.
- Bank-batch ZIP clusters (action, capital strategy, top bank): 34,389 rows.
- 34,389 distinct zip entries across 54 states for Bank-batch ZIP clusters (action, capital strategy, top bank); scope the United States.
- Bank-batch ZIP clusters (action, capital strategy, top bank) newest valid record: Mon Oct 19; status "fresh" for layer4-clusters, within its 7-day freshness window.
- Bank-batch ZIP clusters (action, capital strategy, top bank) is sold inside 1 list package: us-bank-batch.
layer4-clusters: the ZIP clusters figures as of Tue Oct 20; registry entry layer4-clusters.
| Bank-batch ZIP clusters (action, capital strategy, top bank) | Registry value |
|---|---|
| Scope of the ZIP clusters | the United States |
| Keyed by | zip |
| Bank-batch ZIP clusters (action, capital strategy, top bank) rows | 34,389 |
| Geographies | 34,389 |
| States | 54 |
| Status of the ZIP clusters | fresh |
| Freshness window | 7 days |
| Newest the ZIP clusters record | Mon Oct 19 |
Registry facts for Bank-batch ZIP clusters (action, capital strategy, top bank).
What is in the ZIP clusters
One row per ZIP with the cluster id, the lead bank, the deposit-weighted stress, the distress composite, the capital strategy, the recommended action and the top bank's share. Changes in action write deal events.
How the ZIP clusters is used
Investors use the action to prioritise ZIPs and the lead bank to anticipate disposals; the bank batch list delivers one bank's clusters and the state batch every bank in a state.
Freshness of the ZIP clusters
Every six hours layer4-clusters is re-checked (Bank-batch ZIP clusters (action, capital strategy, top bank)); lists on layer4-clusters are withdrawn once layer4-clusters rows are older than 7 days. For Bank-batch ZIP clusters (action, capital strategy, top bank): Rebuilt several times a week with the stress and ticker inputs.
Use the ZIP clusters
The clusters page shows the ZIP clusters, and the bank batch lists deliver them per bank or per state.
layer4-clusters is checked in the registry before sale.
Bank-Batch ZIP Clusters: the Dataset: questions
What is a capital strategy?
The financing approach the cluster's profile favours, such as cash, bridge or agency debt, derived from the lead bank's condition and the market phase.
How current is bank-batch zip clusters (action, capital strategy, top bank) right now?
Bank-batch ZIP clusters (action, capital strategy, top bank): newest valid record Mon Oct 19; layer4-clusters is "fresh" against a 7-day threshold for Bank-batch ZIP clusters (action, capital strategy, top bank).
More on the ZIP clusters
Bank-Batch ZIP Clusters: the Dataset (layer4-clusters) is fed by registry entry layer4-clusters and is not legal advice. Nothing in the ZIP clusters is tax or investment advice; verify every layer4-clusters record with the issuing office before acting.