---
title: "Free Data Tool: Analysis of 3rd Quarter Loan Loss Reserves for U.S. Community Banks"
description: Want to compare your loan loss reserve to other banks? Check out this new Invictus Group tool, which will help you do just that. The tool includes data for the quarter ending September 30, 2020 back t
image: https://intel.invictusgrp.com/hubfs/Imported_Blog_Media/1_rss.png
---

[![Invictus Analytics Logo 2025 _ BL](https://intel.invictusgrp.com/hs-fs/hubfs/Invictus%20Analytics%20Logo%202025%20_%20BL.png?width=200&height=46&name=Invictus%20Analytics%20Logo%202025%20_%20BL.png "Invictus Analytics Logo 2025 _ BL")](https://www.invictusgrp.com)

Open menu

- [Home](https://www.invictusgrp.com)
- About Us 
    - [About Invictus](https://www.invictusgrp.com/about-invictus-group)
    - [Client Testimonials](https://www.invictusgrp.com/client-testimonials)
    - [Message from the Chairman](https://www.invictusgrp.com/message-from-chairman)
    - [The Leadership Team](https://www.invictusgrp.com/our-team)
    - [Job Opportunities](https://www.invictusgrp.com/jobs)
- Our Offerings 
    - [Capital Stack](https://www.invictusgrp.com/capital-stack-old)
    - [M&A Advisory Services & SI](https://www.invictusgrp.com/ma-advisory-si)
- Our Insights 
    - [Invictus Intel Blog](https://intel.invictusgrp.com)
    - [M&A Deal Blog](https://mablog.invictusgrp.com/)
    - [Bank Insights Newsletter](https://www.invictusgrp.com/invictus-bank-insights-newsletter-the-invictus-group)
    - [White Papers](https://www.invictusgrp.com/white-papers)
    - [Webinars & Videos](https://www.invictusgrp.com/webinars-and-videos)
- [Client Login](https://www.invictusanalytics.com/)

[ Let's Talk ](https://www.invictusgrp.com/contact)

[![Invictus Analytics Logo 2025 _ BL](https://intel.invictusgrp.com/hs-fs/hubfs/Invictus%20Analytics%20Logo%202025%20_%20BL.png?width=200&height=46&name=Invictus%20Analytics%20Logo%202025%20_%20BL.png "Invictus Analytics Logo 2025 _ BL")](https://www.invictusgrp.com)

Close menu

- [Home](https://www.invictusgrp.com)
- About Us 
    - [About Invictus](https://www.invictusgrp.com/about-invictus-group)
    - [Client Testimonials](https://www.invictusgrp.com/client-testimonials)
    - [Message from the Chairman](https://www.invictusgrp.com/message-from-chairman)
    - [The Leadership Team](https://www.invictusgrp.com/our-team)
    - [Job Opportunities](https://www.invictusgrp.com/jobs)
- Our Offerings 
    - [Capital Stack](https://www.invictusgrp.com/capital-stack-old)
    - [M&A Advisory Services & SI](https://www.invictusgrp.com/ma-advisory-si)
- Our Insights 
    - [Invictus Intel Blog](https://intel.invictusgrp.com)
    - [M&A Deal Blog](https://mablog.invictusgrp.com/)
    - [Bank Insights Newsletter](https://www.invictusgrp.com/invictus-bank-insights-newsletter-the-invictus-group)
    - [White Papers](https://www.invictusgrp.com/white-papers)
    - [Webinars & Videos](https://www.invictusgrp.com/webinars-and-videos)
- [Client Login](https://www.invictusanalytics.com/)

[ Let's Talk ](https://www.invictusgrp.com/contact)

## Free Data Tool: Analysis of 3rd Quarter Loan Loss Reserves for U.S. Community Banks

Check out this new Invictus Group tool, which will help you do just that. The tool includes data for the quarter ending September 30, 2020 back to the fourth quarter of 2019.

 

# Want to compare your loan loss reserve to other banks?

As your bank closes its books for the year, here are examples of analyses you can perform

**

- Compare your bank with all the other banks in your state or the U.S.
  
   
- Perform trend analysis with prior quarters
- Compare your bank with a select customized peer group
- Adjust your reserve based on your findings
- Compare CECL filers to incurred loss filers and much more!

You do NOT need to download anything, either. You can access the tool right here:

 <a href="#"><img alt=" " src="https://20257776.fs1.hubspotusercontent-na1.net/hubfs/20257776/Imported_Blog_Media/1_rss.png" style="border: none"></a>

### How to use the tool

**STEP 1  Select a subject bank.** This will likely be your bank, but you can choose to look at the data on any basis you’d like.

**STEP 2  Select the comparison state.** You can pick multiple states, or just one. Please note that if you would like to see your bank show up on the scatter chart, you must select your state.

**STEP3  ** **Filter for CECL adopters (or not… or both).** You can utilize this filter to try and understand how the onset of CECL has affected reserve rates for banks in your region.

**STEP 4  The data goes back to 2019Q4 – which was the last quarter before the ‘noise’ from both COVID-19 and CECL adoption.** Change this filter actively to see how bank’s reserves have changed through time – particularly because of COVID-19 and CECL adoption.

**STEP 5  You can use this filter to narrow or customize your own peer group.** The banks you will be able to choose from in this list will be only those institutions from the state that you’ve selected in Step 2.

 

## More recent posts

![Invictus CEO to Moderate Regulatory Panel at ](https://intel.invictusgrp.com/hubfs/AdobeStock_901521336-1.jpeg)

[banking](https://intel.invictusgrp.com/tag/banking), [Capital Plan for Community Banks](https://intel.invictusgrp.com/tag/capital-plan-for-community-banks), [Community Banks Capital Plan](https://intel.invictusgrp.com/tag/community-banks-capital-plan), [capital planning](https://intel.invictusgrp.com/tag/capital-planning), [liquidity](https://intel.invictusgrp.com/tag/liquidity), [stress testing](https://intel.invictusgrp.com/tag/stress-testing), [Trade War Recession](https://intel.invictusgrp.com/tag/trade-war-recession), [Capital Requirements for community banks](https://intel.invictusgrp.com/tag/capital-requirements-for-community-banks), [community bank regulations](https://intel.invictusgrp.com/tag/community-bank-regulations), [Global Oil Shock](https://intel.invictusgrp.com/tag/global-oil-shock), [Stagflation](https://intel.invictusgrp.com/tag/stagflation), [Banking CRE](https://intel.invictusgrp.com/tag/banking-cre), [Banking Construction](https://intel.invictusgrp.com/tag/banking-construction), [Concentration Limits](https://intel.invictusgrp.com/tag/concentration-limits), [CRE Banking Strategies](https://intel.invictusgrp.com/tag/cre-banking-strategies)

### [Invictus CEO to Moderate Regulatory Panel at "Concentrate 2026" *Author: Patti Casaleggio, Invictus Analytics * As regulatory scrutiny and expectations around commercial real estate (CRE) continue to evolve, staying ahead of supervisory trends has never been more critical for community and...](https://intel.invictusgrp.com/invictus-ceo-to-moderate-regulatory-panel-at-concentrate-2026)

![Preparing for the Possibility of a Global Oil Shock and Stagflation Scenario](https://intel.invictusgrp.com/hubfs/AdobeStock_1939288070-1.jpeg)

[banking](https://intel.invictusgrp.com/tag/banking), [Capital Plan for Community Banks](https://intel.invictusgrp.com/tag/capital-plan-for-community-banks), [Community Banks Capital Plan](https://intel.invictusgrp.com/tag/community-banks-capital-plan), [capital planning](https://intel.invictusgrp.com/tag/capital-planning), [liquidity](https://intel.invictusgrp.com/tag/liquidity), [stress testing](https://intel.invictusgrp.com/tag/stress-testing), [Trade War Recession](https://intel.invictusgrp.com/tag/trade-war-recession), [Capital Requirements for community banks](https://intel.invictusgrp.com/tag/capital-requirements-for-community-banks), [community bank regulations](https://intel.invictusgrp.com/tag/community-bank-regulations), [Global Oil Shock](https://intel.invictusgrp.com/tag/global-oil-shock), [Stagflation](https://intel.invictusgrp.com/tag/stagflation)

### [Preparing for the Possibility of a Global Oil Shock and Stagflation Scenario *Author: Adam Mustafa CEO, Invictus Analytics * What happens when inflation reaccelerates from already elevated levels while economic growth slows? This is the defining challenge behind Invictus Analytics’ latest Oil Price Shock...](https://intel.invictusgrp.com/preparing-for-the-possibility-of-a-global-oil-shock-and-stagflation-scenario)

![Evaluating the CBLR at 8%: Should Your Bank Adopt it?](https://intel.invictusgrp.com/hubfs/AdobeStock_381681511-1.jpeg)

[banking](https://intel.invictusgrp.com/tag/banking), [Capital Plan for Community Banks](https://intel.invictusgrp.com/tag/capital-plan-for-community-banks), [Community Banks Capital Plan](https://intel.invictusgrp.com/tag/community-banks-capital-plan), [capital planning](https://intel.invictusgrp.com/tag/capital-planning), [liquidity](https://intel.invictusgrp.com/tag/liquidity), [stress testing](https://intel.invictusgrp.com/tag/stress-testing), [Trade War Recession](https://intel.invictusgrp.com/tag/trade-war-recession), [Capital Requirements for community banks](https://intel.invictusgrp.com/tag/capital-requirements-for-community-banks), [community bank regulations](https://intel.invictusgrp.com/tag/community-bank-regulations), [cblr](https://intel.invictusgrp.com/tag/cblr)

### [Evaluating the CBLR at 8%: Should Your Bank Adopt it? *Author: Adam Mustafa, CEO, Invictus Analytics * Federal banking agencies recently finalized a rule lowering the Community Bank Leverage Ratio (CBLR) threshold from 9% to 8%, effective July 1, 2026. At first glance, the change...](https://intel.invictusgrp.com/evaluating-the-cblr-at-8-should-your-bank-adopt-it)

## Footer

[![Invictus Analytics Logo 2025 _ BL](https://intel.invictusgrp.com/hs-fs/hubfs/Invictus%20Analytics%20Logo%202025%20_%20BL.png?width=200&height=46&name=Invictus%20Analytics%20Logo%202025%20_%20BL.png "Invictus Analytics Logo 2025 _ BL")](https://www.invictusgrp.com)

Invictus is the essential resource for bank executives, boards of directors and investors in navigating the new world of banking. Our mission is to provide our clients a competitive advantage through data intelligence, industry expertise and disruptive analysis.

[LinkedIn

](https://www.linkedin.com/company/invictusgroup/) [YouTube

](https://www.youtube.com/@InvictusGroupAnalytics)

### ABOUT US

- [ About Us ](https://www.invictusgrp.com/about-invictus-group)
- [ Message from Chairman ](https://www.invictusgrp.com/message-from-chairman)
- [ Our Leadership Team ](https://www.invictusgrp.com/our-team)
- [ Privacy Policy ](https://www.invictusgrp.com/privacy-policy)

### OUR OFFERINGS

- [ Capital Stack ](https://www.invictusgrp.com/capital-stack-old)
- [ M&A Advisory Services & SI ](https://www.invictusgrp.com/ma-advisory-si)

### OUR INSIGHTS

- [ Invictus Intel Blog ](https://intel.invictusgrp.com)
- [ M&A Deal Blog ](https://mablog.invictusgrp.com/)
- [ Bank Insights Newsletter ](https://www.invictusgrp.com/invictus-bank-insights-newsletter-the-invictus-group)
- [ White Papers ](https://www.invictusgrp.com/white-papers)
- [ Webinars & Videos ](https://www.invictusgrp.com/webinars-and-videos)

© 2026 by Invictus Group®, Invictus®, Invictus Group®, FreeCapital®, and LoanLayering® are registered trademarks of Invictus

```json
{
  "@context" : "https://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "Adam Mustafa",
    "url" : "https://intel.invictusgrp.com/author/adam-mustafa"
  },
  "dateModified" : "2022-12-07T15:08:51.626Z",
  "datePublished" : "2021-01-11T15:40:55.000Z",
  "headline" : "Free Data Tool: Analysis of 3rd Quarter Loan Loss Reserves for U.S. Community Banks",
  "image" : [ "https://intel.invictusgrp.com/hubfs/Imported_Blog_Media/1_rss.png" ],
  "mainEntityOfPage" : {
    "@id" : "https://intel.invictusgrp.com/2021/01/free-data-tool-analysis-of-3rd-quarter-loan-loss-reserves-for-u-s-community-banks",
    "@type" : "WebPage"
  },
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "url" : "https://intel.invictusgrp.com/hubfs/Website%20Graphics/logo-Invictus.png"
    },
    "name" : "Invictus Group LLC"
  }
}
```