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FinObservatory

FinObservatory Pro

Pro

FinObservatory is a free public platform and this page changes none of that. Every page, note, dataset, API and tool that is public today stays public. Pro is a layer of new work on top of it: a weekly deep dive, and workbenches that go further into the estate than the free pages do. The free platform is the product. Pro funds it.

price

$1,500 per year

billing

annual only

licence

your firm, up to 5 users

refunds

30 days, no questions

One plan. The licence covers your firm for up to 5 users and permits reproducing Pro tables and exports in your own client deliverables with attribution. Cancelling stops the next renewal; the paid year runs to its end date and your exports are yours to keep. Full terms at /terms.

What a subscription covers

The weekly note

  • One dated, cited deep dive a week, worked through the estate rather than summarised from it. Every figure in a note is queried from the data when the page is served, so a refreshed source moves the prose or the page refuses to render.
  • The archive is one note deep, starting 2026-08-02. That is the whole back catalogue: weekly is the cadence going forward, not a library that already exists. Judge the subscription on the workbenches below plus what one note looks like before you pay: billing is annual, so there is no monthly window to sample and walk away from.

Bulk exports, the working layer

  • Every subscriber dataset as a complete CSV from one catalogue: the bank-quarter deposit-rate panel (2001Q1 onward), the same panel split by deposit product (transaction, savings including MMDA, small and large time, foreign office, with the expense and balance inputs per category), cycle deposit betas on the matched panel, the fragility panel with its reported-versus-proxied funding flag, CRE concentration with the capital denominator each bank actually used, the enforcement register, CFTC positioning, and the score history. Row counts and vintages are queried from the parquet on the request, and every CSV opens with a provenance header naming source, licence, vintage and retrieval date.
  • The licence is written for firms: reproduce these tables in client and internal deliverables with attribution, per the terms.

Banks

  • Per-bank deposit betas across three hiking cycles on a matched panel: the size gradient inside each cycle, and whether a bank kept its beta from one cycle to the next. Descriptive, not predictive, and labelled so.
  • Per-institution history of unrealised securities losses against uninsured funding, carrying the reported-versus-proxied flag on every row.
  • Fed and OCC enforcement on one timeline, including the institutions with no FDIC certificate that have no page anywhere else on the site.
  • User-defined peer cohorts and within-cohort percentiles.
  • Every FDIC filer against the 2006 interagency CRE screen, both variants, showing the capital denominator each bank actually reported, with the quarter-over-quarter crossing list, named.

Positioning

  • The CFTC band-crossing ledger: every entry into and exit from a series' own positioning extremes, with the length of the spell it opened or closed.
  • Week-over-week change across every market and trader class, sorted by what actually moved.
  • Conditioned forward returns, published together with the unconditional benchmark that usually kills them.

Households

  • The Distributional Financial Accounts at the detail grain, per household rather than only in aggregate.

Subscribe

An account comes first, so the subscription has somewhere to attach. Create a free account or sign in.

Stated plainly

  • Nothing that is public today moves behind this. If you can read it now, you can read it after this launches, and so can everyone else.
  • Every Pro page names what you can get free elsewhere, and where. Several of these datasets are published by FDIC, FFIEC, the Federal Reserve, the CFTC and the EIA at no cost. What is sold is the worked panel, the joins, the crossings and the guardrails, never a monopoly on a public number.
  • The non-commercial research layers, the GMD and JST crisis chronologies, stay out of any paid tier by licence.
  • Pro is sold to US billing addresses only for now. The free platform remains available worldwide.
  • The subscription is a firm licence: your firm may put Pro tables and exports in front of its own clients and boards, with attribution, under the terms. That right, not access to a website, is what renews.
  • There is no ranked bank failure watch-list, and there will not be one. The nowcast model missed all three 2023 failures, and /banks/nowcast already says so in public.