Dodd-Frank Stress Testing Results
This dataset provides detailed results from Dodd-Frank Act stress tests, including projected losses, capital adequacy ratios, and institutional action plans under various economic scenarios. It enables regulators, analysts, and financial institutions to assess systemic risk, monitor capital resilience, and evaluate regulatory responses across the banking sector.
Sample rows
preview · 8 of 200 rows · all 15 columns| institution_idstring | scenariostring | starting_tier_1_capital_ratiofloat | regulatory_response_requiredboolean | institution_namestring | reporting_perioddate | projected_total_lossesfloat | projected_credit_lossesfloat | projected_market_lossesfloat | projected_operational_lossesfloat | projected_other_lossesfloat | ending_tier_1_capital_ratiofloat | minimum_tier_1_capital_ratiofloat | submission_datedate | action_plan_summarystring |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BANKUSA_1021 | Baseline | 15.8 | false | Bank of the United States | 2023-12-31 | 1450.25 | 1007.18 | 290.05 | 101.79 | 51.23 | 14.9 | 14.7 | 2024-01-08 | Maintain lending programs and continue dividend distributions. |
| BIG4_209 | Baseline | 16.2 | false | Big Four Financial Inc. | 2024-03-31 | 1980.62 | 1379.33 | 425.12 | 118.01 | 58.16 | 15.6 | 15.3 | 2024-04-12 | Expand retail lending and maintain strong liquidity coverage. |
| REGN_5123 | Baseline | 13.7 | false | Regional Trust Bank | 2023-09-30 | 999.14 | 669.41 | 229.8 | 75.22 | 24.71 | 13.1 | 12.9 | 2023-10-11 | Continue prudent risk management and stable dividend payments. |
| BANKUSA_2047 | Baseline | 16.9 | false | US National Savings | 2024-06-30 | 1205.59 | 793.87 | 300.24 | 79.36 | 31.12 | 16.1 | 15.9 | 2024-07-10 | Maintain conservative credit standards and enhance liquidity buffers. |
| BIG4_311 | Baseline | 14.3 | false | Big Four Commercial | 2023-12-31 | 1715.84 | 1200.35 | 343.17 | 119.85 | 52.47 | 13.7 | 13.6 | 2024-01-13 | Continue strong lending activity and diversify investment portfolio. |
| REGN_927 | Baseline | 12.8 | false | Regional Mutual Bank | 2024-03-31 | 1540.35 | 1022.73 | 385.08 | 102.13 | 30.41 | 12.3 | 12.2 | 2024-04-06 | Maintain capital reserves and stable dividend policy. |
| BANKUSA_3124 | Baseline | 13.2 | false | United States Federal Bank | 2024-06-30 | 1057.18 | 699.21 | 262.06 | 75.22 | 20.69 | 12.7 | 12.5 | 2024-07-07 | Support local lending and maintain robust liquidity. |
| BIG4_517 | Baseline | 17.2 | false | Big Four Investment Bank | 2023-09-30 | 1933.87 | 1341.7 | 420.83 | 121.21 | 50.13 | 16.5 | 16.2 | 2023-10-09 | Expand lending operations and sustain dividend distributions. |
| REGN_1340 | Baseline | 15.5 | false | Regional Cooperative Bank | 2024-03-31 | 1302.11 | 846.33 | 326.71 | 97.13 | 32.94 | 14.8 | 14.6 | 2024-04-08 | Continue prudent lending and maintain strong capital ratios. |
| BANKUSA_4210 | Baseline | 14.4 | false | BankUSA New York Branch | 2023-12-31 | 1101.65 | 721.07 | 267.92 | 87.13 | 25.53 | 13.8 | 13.6 | 2024-01-09 | Maintain loan growth and stable dividend distributions. |
| LCL_210 | Adverse | 13.7 | false | Local Credit Union | 2024-06-30 | 350.44 | 217.77 | 90.43 | 35.04 | 7.2 | 13 | 12.7 | 2024-07-10 | Review risk management and increase loan loss reserves. |
| MICRO_101 | Adverse | 18.8 | false | Microfinance Solutions | 2024-03-31 | 124.77 | 79.86 | 28.69 | 11.23 | 4.99 | 18.1 | 17.9 | 2024-04-13 | Increase reserves and tighten lending standards. |
| SMALL_522 | Adverse | 14.9 | false | Small Town Savings | 2023-09-30 | 212.91 | 127.75 | 54.84 | 21.29 | 9.03 | 14.1 | 13.9 | 2023-10-13 | Increase capital buffer and review asset quality. |
| CSTM_1201 | Adverse | 12.2 | false | Custom Bank Midwest | 2024-03-31 | 400.97 | 236.56 | 108.87 | 42.34 | 13.2 | 11.6 | 11.4 | 2024-04-10 | Enhance risk controls and raise contingency reserves. |
| LCL_357 | Adverse | 11.5 | false | Local Savings Bank | 2024-06-30 | 798.05 | 623.49 | 108.98 | 49.56 | 16.02 | 10.6 | 10.5 | 2024-07-08 | Increase capital buffer and review asset quality. |
| MICRO_223 | Adverse | 21.3 | false | Microcredit Partners | 2023-12-31 | 60.19 | 31.97 | 19.67 | 6.64 | 1.91 | 20.9 | 20.8 | 2024-01-14 | Increase reserves and review credit policies. |
| SMALL_1102 | Adverse | 11.7 | false | Small City Finance | 2023-09-30 | 340.75 | 179.93 | 107.13 | 40.88 | 12.81 | 11.1 | 10.9 | 2023-10-03 | Enhance risk management and build contingency reserves. |
| CSTM_214 | Adverse | 13.5 | false | Custom Bank Texas | 2024-03-31 | 570.11 | 319.66 | 171.03 | 66.2 | 13.22 | 12.9 | 12.7 | 2024-04-14 | Tighten lending standards and increase loan loss provisions. |
| LCL_861 | Adverse | 10.9 | false | Local Union Bank | 2024-06-30 | 1080.43 | 860.99 | 164.63 | 44.57 | 10.24 | 10.1 | 9.8 | 2024-07-10 | Increase capital buffer and enhance risk controls. |
| MICRO_331 | Adverse | 22.7 | false | Micro Start Bank | 2023-12-31 | 34.11 | 23.23 | 7.43 | 2.76 | 0.69 | 22.4 | 22.2 | 2024-01-03 | Increase reserves and review credit policies. |
What the 200 rows show
from the 200-row sampleSeverely Adverse scenario stands out: 38 of its 46 rows have regulatory_
- 19%regulatory_
response_ required = true - 13.7median starting_
tier_ 1_ capital_ ratio - 1,287median projected_
total_ losses - 817.6median projected_
credit_ losses - 262.8median projected_
market_ losses - 99.1median projected_
operational_ losses
Median 13.7, from 2.0 to 100.0.
- string 4
- float 8
- date 2
- boolean 1
Columns
15 columns in four groups| column | type | description | example |
|---|---|---|---|
| Text 4 columns | |||
institution_id | string | Unique identifier for the financial institution submitting stress test results | BANKUSA_1021 |
institution_name | string | Full legal name of the financial institution | Big Four Financial Inc. |
scenario | string | Name of the stress test scenario (e.g., 'Severely Adverse', 'Baseline', 'Adverse')Severely Adverse · Baseline · Adverse | Baseline |
action_plan_summary | string | Summary of the institution's planned actions in response to stress test results (e.g., capital raising, dividend suspension)optional | No action required. |
| Numbers 8 columns | |||
projected_total_losses | float | Total projected losses under the stress scenario, in millions USD0 or more | 1450.25 |
projected_credit_losses | float | Projected credit losses under the stress scenario, in millions USD0 or more | 1007.18 |
projected_market_losses | float | Projected market losses under the stress scenario, in millions USD0 or more · optional | 290.05 |
projected_operational_losses | float | Projected operational losses under the stress scenario, in millions USD0 or more · optional | 101.79 |
projected_other_losses | float | Projected losses from other sources under the stress scenario, in millions USD0 or more · optional | 51.23 |
starting_tier_1_capital_ratio | float | Tier 1 capital ratio at the start of the scenario period (percentage, e.g., 12.5)0 to 100 | 15.8 |
ending_tier_1_capital_ratio | float | Tier 1 capital ratio at the end of the scenario period (percentage, e.g., 9.2)0 to 100 | 14.9 |
minimum_tier_1_capital_ratio | float | Minimum Tier 1 capital ratio observed during the scenario period (percentage)0 to 100 | 14.7 |
| Dates and times 2 columns | |||
reporting_period | date | Date representing the period or year for which the stress test results apply | 2023-12-31 |
submission_date | date | Date the stress test results were submitted to the regulator | 2024-01-08 |
| True or false 1 column | |||
regulatory_response_required | boolean | Indicates if regulatory action or intervention is required based on the stress test results | false |
Use it for
A finance dashboard
The regulatory_
response_ required rate and starting_ tier_ 1_ capital_ ratio by scenario. Excel, Power BI or Tableau. Why do 38 of 200 rows have regulatory_
response_ required = true? A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
- Institutions200BANKUSA_102115.8BaselineHIGH_VOL_3007.1Severely…SUB_PRIME_9013.7Severely…
A software demo
Believable institutions with institution_
name, reporting_ period and scenario to fill a screen in front of a buyer.
This dataset200 rows15 columns
Yours1,000 rows15 columns
blueprint · dodd-frank-stress-testing-results
Behind this dataset
Same schema. As many rows as you need.
These 200 rows came out of a blueprint — 15 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.
Rules it was built with
- Baseline, adverse, severely adverse scenarios
- 9-quarter projection horizon
- Pre-provision net revenue estimated
- Credit losses under stress calculated
- Trading and counterparty losses
- Capital ratios projected under stress
- Pass/fail determination by Fed
- Capital actions contingent on passing
Open the blueprint in Data Factory
1 credit per row. Preview 20 rows free. Buy rows for the full run.
- Exports
- CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
- Licence
- yours to use, including commercially
- API slug
- dodd-frank-stress-testing-results