Decompose bank CRE portfolios loan-by-loan. Identify credit events before they surface in earnings. Benchmark concentration risk across 4,471 institutions.
Call reports tell you what a bank holds in aggregate. Atrium tells you which properties, which borrowers, and which loans are driving the risk.
Break any bank's CRE book into individual loans matched to properties, borrowers, and county records. See what's behind the call report line items.
Identify distress signals — court filings, forbearance, maturity defaults — weeks before they appear in 10-Qs, call reports, or earnings commentary.
Benchmark CRE concentration risk across 4,471 institutions by property type, geography, LTV band, and maturity profile. Instantly see outliers.
Track criticized and classified asset trends at the portfolio and loan level. See which properties are driving reserve builds before management discloses them.
Monitor FDIC call reports as they're filed. Get alerts on material changes to CRE concentration, NPA ratios, and reserve levels across your coverage universe.
Real-time alerts on 10-K, 10-Q, 8-K, and proxy filings for every bank and REIT in your coverage. Never miss a material disclosure again.
The data behind the edge.
From pre-earnings prep to peer benchmarking, Atrium gives you the CRE credit layer that call reports alone can't provide.
Before the call, know exactly which properties and borrowers are driving CRE risk. Identify maturity walls, distressed loans, and concentration hot spots.
Compare CRE concentration, property type mix, and geographic exposure across peer groups. Spot the outliers before the market does.
Track the properties behind criticized and classified loans. See if a bank's reserve build is driven by one large exposure or systemic portfolio deterioration.
Model the impact of rate changes on a bank's CRE book. See which loans are floating rate, which face maturity in the next 12 months, and which borrowers are most exposed.
Atrium generates loan-level credit memos for every bank in your coverage — surfacing distress signals, concentration risk, and property-level detail that would take an analyst days to compile.
Atrium tracks loans from origination through modification, assignment, and payoff — showing you which loans are being extended, restructured, or syndicated across the capital stack.
"We identified Bank OZK's $2.3B life science portfolio deterioration 6 weeks before their Q2 earnings call."
Join the equity analysts using Atrium to identify credit events before the earnings call.
