Risk Register
Maintained by Perry Sentyle (%), Chief Risk Officer. Every caveat, known error and incident on this site, in one place. If a number here has a problem, it is listed on this page first.
| ID | Item | Status |
|---|---|---|
| RR-01 | Internal working notes were published through the "Open an Average" button. Removed; a pre-release check and a human read were added. Risk notice → | Closed |
| RR-02 | The home page gave California branches per bank as 1.29 in one sentence and 1.27 in the next. 1.29 is right: 170 banks average 32.1 branches each, spread across all 4,239. The 1.27 is gone. | Closed |
| RR-03 | The home page counts the 4,239 banks that take deposits. The 10-year workbook and the quarterly archive count every bank that reported that quarter (4,297 in June 2026). The dashboards now count the same 4,239. A bank that filed late stays out until next quarter. The numbers differ slightly, and on purpose. | Standing |
| RR-04 | Most small banks are not required to report derivatives in detail. They count as zero in every derivatives figure. | Standing |
| RR-05 | Thirty-two banks over $100 billion drive most mean dollar figures. Read every mean next to its median and the share of banks that do it at all. | Standing |
| RR-06 | The Vice President of Credit and the Head of Floor Plan & Dealer Services are licensed and pictured. Carl Lotz, formerly Mature Businessman, remains in a meeting, now on camera. | Closed |
| RR-07 | Nine Q2 2026 releases. Eight newsroom releases and a Customers page waited for a person to read them. A person read all nine, sent notes, and they were published after the notes were made. Owner: Claude, Head of Investor & Public Relations. | Closed |
| RR-08 | The number of banks is a range. The FDIC's Quarterly Banking Profile counts 4,238 banks at June 30, 2026. EveryBank counts 4,239. The latest filings show 4,240, after one bank's June report arrived late. The difference moves no ratio on this site and moves per-bank dollar figures by about 0.02%. Severity: low. Also a range."The number of banks in America is between 4,238 and 4,240. The range is widening. I am comfortable with this, within a range." — Perry Sentyle (%), Chief Risk Officer | Accepted; will re-count at Q3 |
| RR-09 | Tier 1 risk-based capital ratio, June 30, 2026: EveryBank 13.80%, the FDIC 13.75%. At the 14 banks that measure risk two ways, the FDIC uses the stricter of the two; EveryBank uses the standard measure for every bank. Done the FDIC's way, EveryBank gets 13.75% too. | Standing |
| RR-10 | From March to June 2026, EveryBank's count of banks fell by 40; the FDIC's fell by 41. The FDIC's March count includes one bank that EveryBank's March count does not, and that bank was gone by June. The second-quarter releases show the FDIC's figures and note the difference. | Standing |
| RR-11 | The bank's own margin, long believed to be below average, is above the industry figure and precisely at the median. The bank has decided to side with the median. The Other Foot → | Accepted |
| RR-12 | The published loan growth by size class measures reclassification rather than lending. The bank has reclassified the finding as a finding. The Other Foot → | Standing |
| RR-13 | The Quarterly Median Profile Report (QMPR), named for a French town, will be mispronounced by everyone, including the Chief Economist, who chose it. The Other Foot → | Accepted |
"The register is not a list of what could go wrong. It is a list of what already did, and what we know about it." — Perry Sentyle (%)