Brightwater Community Bank
Moved from Elevated to High after an OCC consent order over BSA controls.
Index 78 from 61
Tellsign reads the public record on every U.S. bank, credit union, and covered lender each morning: enforcement actions, SEC filings, Call Reports, leadership changes. It scores each institution, ranks it against its peers, and opens on what moved. Every claim links to the filing.
Moved from Elevated to High after an OCC consent order over BSA controls.
Provision for credit losses more than doubled year over year in the June 30 Call Report.
Chief Risk Officer departure disclosed on Form 8-K, Item 5.02.
Illustrative sample. The institutions in this frame are fictitious and the figures are worked examples. The three cases below are real, dated, and cited.
Three real institutions, each read straight from Tellsign's production record. Every line below links to the filing it came from, and every score carries the date it was computed.
On July 15, 2026 the company announced it would restate 2024, 2025, and the first quarter of 2026. The record had been talking for five months.
On July 1, two weeks before the announcement, Tellsign had BayFirst at 76, High, on 28 dated signals.
Two screening thresholds tripped in the June 30 Call Report. The same filing explains both.
A threshold by itself is noise. The record beside it is the reading. Tellsign fires the threshold and shows the context on the same page.
One consent order is an event. Three across four years is a pattern, and the financials now read the same way.
Each order is an official document, not a projection. Click any of the three and read what the regulator wrote.
Figures quoted exactly as the filings and Tellsign's production record state them, with each score's own recompute date. Indicator only. Not a regulatory rating, financial-condition determination, or legal opinion.
Everyone who watches U.S. financial institutions is working from the same public filings. Tellsign reads them once, every morning, and hands each reader the part they came for.
CEO, CFO, CRO, board member at a bank or credit union
Every executive watches the bank across the street.
A competitor takes a consent order. A peer's loss provision doubles. A rival's capital thins for the third quarter running. It leads your morning, on your phone, with the filing behind it. On a quiet day it says so, and shows you what it checked.
What does everybody else do? 29 peer groups matched on business model and size, percentiles on every measure, each row in plain words. Set your cohort once: charter, asset band, region, the six you actually watch.
Account executives and revenue leaders at fintech and bank-technology companies
Quote the filing on the first call.
A rep who can cite the consent order, name the new Chief Risk Officer, and reference the Call Report in the first thirty seconds is observing, not pitching. The briefing pack arrives already built, with every claim linked to its source.
Hunting ten prospects you have never called, or farming the seven accounts you own and everyone they compete with: both read from the same record. Push it to Salesforce or HubSpot at Wire. Brief is yours, on your own card, and it moves with you.
FI investment banking, regulatory advisory, counsel, funds with a financial-institutions vertical
A screen you can defend, row by row.
Ten thousand institutions with a published methodology under every number. Custom universes matched to your target list, white-labeled briefing packs, and an API when the model needs the feed rather than the page.
Every figure reproduces from the source record, so it survives the diligence read.
It runs every morning without an analyst in the loop, and every step can be audited from the reader's chair. When the June 30 Call Report published in late August, Tellsign read all 4,276 banks and rescored them the same morning.
Each lens is one category of public evidence. Together they cover what a regulator did, what the institution disclosed, what its numbers say, who left, what broke, and what people are saying.
A regulator publicly acted. Consent orders, formal agreements, civil money penalties.
OCC · FDIC · Federal Reserve · CFPB · NCUA · FinCEN · statesRisk-factor language the institution wrote about itself in its 10-K and 10-Q filings.
SEC EDGARCapital, credit quality, earnings, funding and concentration, restatements, the Texas ratio. Absolute thresholds, peer percentiles, and change over time. The signal fires at 30 days past due; most eyes wait for the charge-off.
Call Reports · NCUA 5300Executive departures and arrivals, the Chief Risk Officer above all. Coverage is partial today, and the product says where.
SEC 8-K, Item 5.02Core-system, digital-banking, and cyber-incident disclosures.
SEC 8-K current eventsPress and trade coverage. Off by default, and never in the Index unless you turn it on.
News and RSS · opt-in onlyWhere the public record is thin, Tellsign shows the gap rather than filling it. Credit unions carry Confirmed and Financial coverage today; non-bank lenders carry Confirmed. Each institution's case file states what is covered and what is not.
Whether the room is a board meeting, a first sales call, or a diligence review, the same three rules hold.
A public link, the verbatim excerpt, and the time it was read. The database refuses a signal missing any of the three (source_url, source_excerpt, as_of_timestamp), so there is no path for an unsourced claim to reach a page. Nothing fires unless you can click through to the filing.
The Distress Index is open, lens by lens, on a public methodology page. Toggle a lens or a source class and watch the number recompute. No hidden weights, no black box, no language model deciding what matters.
Reporting that arrives on schedule becomes wallpaper. When nothing moved, Tellsign says so and shows what it checked: every institution in your cohort, every stream, the time it finished. Honest disclosure is structural, not a setting.
API access is a separate line, available at any tier. Contact sales. Credit-union coverage is included at every tier.