Bank balance-sheet signals before the portfolio conversation.

At a glance: Fitzgerald Advisors uses bank call reports and NCUA 5300 data as a screening lens—not proof that an institution is selling, a portfolio is distressed, or a buyer will transact. The transaction still depends on the tape, collateral, servicing, documentation, legal status, and transfer conditions.

The standing BankWatch market layer covers 4,388 monitored banks. The website shows verified Q2 2026 detail for a matched 20-bank sample across Q3 2025, Q4 2025, Q1 2026, and Q2 2026; no missing values are inferred. The Q3 source-period reconciliation remains open, so Q2 remains the verified detail baseline.

How a loan-sale advisor reads the data: asset quality identifies where review pressure may merit a closer question; capital and reserves frame balance-sheet context; loan mix identifies asset classes worth screening; and funding or liquidity informs strategic flexibility. Each signal requires portfolio-level validation before outreach.

The verified bank detail explorer organizes reported NPL, CET1, earnings, liquidity, and loan-mix fields by region, asset size, and product category. These fields are reported market context, not supervisory ratings, pricing opinions, findings of distress, or transaction recommendations.

NCUA 5300 credit-union context appears in a separate CU Watch source layer. The Q3 2026 module uses bounded state-filter samples from NY, IL, TX, and CA, shows assets, NPL, net-worth, and net-charge-off fields, and does not blend those records with BankWatch or present them as a national ranking.