{"columns":[{"name":"scope","type":"string"},{"name":"year","type":"int64"},{"name":"domain","type":"string"},{"name":"label","type":"string"},{"name":"mention_count","type":"int64"},{"name":"share","type":"double"}],"n_rows":1065,"rows_kept":1065,"cut":false,"text_format":"parquet-jsonl-2026-10-02","bounds":{"document_bytes":16777216,"package_text_limit_bytes":33554432,"package_text_slack_bytes":1024,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096,"vector_min":64,"vector_head_fixed":16,"vector_head_variable":64,"kv_value_chars":1048576,"nesting_max":64,"binary_text":true},"cells_cut":0,"cells_bad_utf8":0,"cells_raw":0,"cells_binary":0,"cells_binary_text":0,"cells_vector":0,"n_row_groups":1,"reader":"pyarrow 23.0.1, python 3.13","created_by":"parquet-cpp-arrow version 23.0.1","schema":{"fields":[{"name":"scope","type":"string","nullable":true,"metadata":null,"children":null},{"name":"year","type":"int64","nullable":true,"metadata":null,"children":null},{"name":"domain","type":"string","nullable":true,"metadata":null,"children":null},{"name":"label","type":"string","nullable":true,"metadata":null,"children":null},{"name":"mention_count","type":"int64","nullable":true,"metadata":null,"children":null},{"name":"share","type":"double","nullable":true,"metadata":null,"children":null}],"parquet":"required group field_id=-1 schema {\n  optional binary field_id=-1 scope (String);\n  optional int64 field_id=-1 year;\n  optional binary field_id=-1 domain (String);\n  optional binary field_id=-1 label (String);\n  optional int64 field_id=-1 mention_count;\n  optional double field_id=-1 share;\n}\n"},"kv_metadata":[["ARROW:schema",{"$cut":{"chars":1688,"head":""}}],["pandas","{\"index_columns\": [], \"column_indexes\": [], \"columns\": [{\"name\": \"scope\", \"field_name\": \"scope\", \"pandas_type\": \"unicode\", \"numpy_type\": \"object\", \"metadata\": null}, {\"name\": \"year\", \"field_name\": \"year\", \"pandas_type\": \"int64\", \"numpy_type\": \"int64\", \"metadata\": null}, {\"name\": \"domain\", \"field_name\": \"domain\", \"pandas_type\": \"unicode\", \"numpy_type\": \"object\", \"metadata\": null}, {\"name\": \"label\", \"field_name\": \"label\", \"pandas_type\": \"unicode\", \"numpy_type\": \"object\", \"metadata\": null}, {\"name\": \"mention_count\", \"field_name\": \"mention_count\", \"pandas_type\": \"int64\", \"numpy_type\": \"int64\", \"metadata\": null}, {\"name\": \"share\", \"field_name\": \"share\", \"pandas_type\": \"float64\", \"numpy_type\": \"float64\", \"metadata\": null}], \"attributes\": {}, \"creator\": {\"library\": \"pyarrow\", \"version\": \"23.0.1\"}, \"pandas_version\": \"2.3.3\"}"]]}
["OCC",1995,"compliance_risk","Compliance",3,0.27273]
["OCC",1995,"corporate_governance","Governance",1,0.09091]
["OCC",1995,"deposit_stability","Deposit Stability",2,0.18182]
["OCC",1995,"fintech_innovation","Fintech & Innovation",1,0.09091]
["OCC",1995,"market_risk","Market Risk",4,0.36364]
["OCC",1996,"compliance_risk","Compliance",216,0.31441]
["OCC",1996,"concentration_risk","Concentration Risk",160,0.2329]
["OCC",1996,"corporate_governance","Governance",118,0.17176]
["OCC",1996,"cre_risk","CRE Risk",13,0.01892]
["OCC",1996,"credit_risk","Credit Risk",76,0.11063]
["OCC",1996,"crypto_digital_assets","Crypto & Digital Assets",2,0.00291]
["OCC",1996,"deposit_stability","Deposit Stability",7,0.01019]
["OCC",1996,"fintech_innovation","Fintech & Innovation",61,0.08879]
["OCC",1996,"market_risk","Market Risk",31,0.04512]
["OCC",1996,"third_party_risk","Third-Party Risk",3,0.00437]
["OCC",1997,"compliance_risk","Compliance",297,0.20013]
["OCC",1997,"concentration_risk","Concentration Risk",657,0.44272]
["OCC",1997,"corporate_governance","Governance",274,0.18464]
["OCC",1997,"cre_risk","CRE Risk",25,0.01685]
["OCC",1997,"credit_risk","Credit Risk",118,0.07951]
["OCC",1997,"deposit_stability","Deposit Stability",8,0.00539]
["OCC",1997,"fintech_innovation","Fintech & Innovation",23,0.0155]
["OCC",1997,"market_risk","Market Risk",69,0.0465]
["OCC",1997,"third_party_risk","Third-Party Risk",13,0.00876]
["OCC",1998,"compliance_risk","Compliance",150,0.16797]
["OCC",1998,"concentration_risk","Concentration Risk",235,0.26316]
["OCC",1998,"corporate_governance","Governance",311,0.34826]
["OCC",1998,"cre_risk","CRE Risk",27,0.03024]
["OCC",1998,"credit_risk","Credit Risk",74,0.08287]
["OCC",1998,"crypto_digital_assets","Crypto & Digital Assets",7,0.00784]
["OCC",1998,"deposit_stability","Deposit Stability",3,0.00336]
["OCC",1998,"fintech_innovation","Fintech & Innovation",29,0.03247]
["OCC",1998,"market_risk","Market Risk",42,0.04703]
["OCC",1998,"third_party_risk","Third-Party Risk",15,0.0168]
["OCC",1999,"compliance_risk","Compliance",220,0.25143]
["OCC",1999,"concentration_risk","Concentration Risk",142,0.16229]
["OCC",1999,"corporate_governance","Governance",305,0.34857]
["OCC",1999,"cre_risk","CRE Risk",32,0.03657]
["OCC",1999,"credit_risk","Credit Risk",43,0.04914]
["OCC",1999,"deposit_stability","Deposit Stability",8,0.00914]
["OCC",1999,"fintech_innovation","Fintech & Innovation",56,0.064]
["OCC",1999,"market_risk","Market Risk",59,0.06743]
["OCC",1999,"third_party_risk","Third-Party Risk",10,0.01143]
["OCC",2000,"compliance_risk","Compliance",160,0.29091]
["OCC",2000,"concentration_risk","Concentration Risk",67,0.12182]
["OCC",2000,"corporate_governance","Governance",145,0.26364]
["OCC",2000,"cre_risk","CRE Risk",6,0.01091]
["OCC",2000,"credit_risk","Credit Risk",22,0.04]
["OCC",2000,"deposit_stability","Deposit Stability",5,0.00909]
["OCC",2000,"fintech_innovation","Fintech & Innovation",63,0.11455]
["OCC",2000,"market_risk","Market Risk",71,0.12909]
["OCC",2000,"third_party_risk","Third-Party Risk",11,0.02]
["OCC",2001,"compliance_risk","Compliance",93,0.21528]
["OCC",2001,"concentration_risk","Concentration Risk",90,0.20833]
["OCC",2001,"corporate_governance","Governance",65,0.15046]
["OCC",2001,"cre_risk","CRE Risk",7,0.0162]
["OCC",2001,"credit_risk","Credit Risk",31,0.07176]
["OCC",2001,"deposit_stability","Deposit Stability",7,0.0162]
["OCC",2001,"fintech_innovation","Fintech & Innovation",73,0.16898]
["OCC",2001,"market_risk","Market Risk",36,0.08333]
["OCC",2001,"third_party_risk","Third-Party Risk",30,0.06944]
["OCC",2002,"compliance_risk","Compliance",67,0.22712]
["OCC",2002,"concentration_risk","Concentration Risk",18,0.06102]
["OCC",2002,"corporate_governance","Governance",59,0.2]
["OCC",2002,"cre_risk","CRE Risk",15,0.05085]
["OCC",2002,"credit_risk","Credit Risk",22,0.07458]
["OCC",2002,"deposit_stability","Deposit Stability",9,0.03051]
["OCC",2002,"fintech_innovation","Fintech & Innovation",41,0.13898]
["OCC",2002,"market_risk","Market Risk",50,0.16949]
["OCC",2002,"third_party_risk","Third-Party Risk",14,0.04746]
["OCC",2003,"compliance_risk","Compliance",85,0.26398]
["OCC",2003,"concentration_risk","Concentration Risk",16,0.04969]
["OCC",2003,"corporate_governance","Governance",37,0.11491]
["OCC",2003,"cre_risk","CRE Risk",13,0.04037]
["OCC",2003,"credit_risk","Credit Risk",49,0.15217]
["OCC",2003,"crypto_digital_assets","Crypto & Digital Assets",2,0.00621]
["OCC",2003,"deposit_stability","Deposit Stability",24,0.07453]
["OCC",2003,"fintech_innovation","Fintech & Innovation",39,0.12112]
["OCC",2003,"market_risk","Market Risk",41,0.12733]
["OCC",2003,"third_party_risk","Third-Party Risk",16,0.04969]
["OCC",2004,"compliance_risk","Compliance",73,0.27341]
["OCC",2004,"concentration_risk","Concentration Risk",26,0.09738]
["OCC",2004,"corporate_governance","Governance",59,0.22097]
["OCC",2004,"cre_risk","CRE Risk",16,0.05993]
["OCC",2004,"credit_risk","Credit Risk",30,0.11236]
["OCC",2004,"deposit_stability","Deposit Stability",18,0.06742]
["OCC",2004,"fintech_innovation","Fintech & Innovation",16,0.05993]
["OCC",2004,"market_risk","Market Risk",22,0.0824]
["OCC",2004,"third_party_risk","Third-Party Risk",7,0.02622]
["OCC",2005,"compliance_risk","Compliance",105,0.20468]
["OCC",2005,"concentration_risk","Concentration Risk",11,0.02144]
["OCC",2005,"corporate_governance","Governance",77,0.1501]
["OCC",2005,"cre_risk","CRE Risk",34,0.06628]
["OCC",2005,"credit_risk","Credit Risk",55,0.10721]
["OCC",2005,"crypto_digital_assets","Crypto & Digital Assets",2,0.0039]
["OCC",2005,"deposit_stability","Deposit Stability",44,0.08577]
["OCC",2005,"fintech_innovation","Fintech & Innovation",43,0.08382]
["OCC",2005,"market_risk","Market Risk",112,0.21832]
["OCC",2005,"third_party_risk","Third-Party Risk",30,0.05848]
["OCC",2006,"compliance_risk","Compliance",60,0.18634]
["OCC",2006,"concentration_risk","Concentration Risk",5,0.01553]
["OCC",2006,"corporate_governance","Governance",41,0.12733]
["OCC",2006,"cre_risk","CRE Risk",21,0.06522]
["OCC",2006,"credit_risk","Credit Risk",38,0.11801]
["OCC",2006,"deposit_stability","Deposit Stability",34,0.10559]
["OCC",2006,"fintech_innovation","Fintech & Innovation",30,0.09317]
["OCC",2006,"market_risk","Market Risk",85,0.26398]
["OCC",2006,"third_party_risk","Third-Party Risk",8,0.02484]
["OCC",2007,"compliance_risk","Compliance",78,0.22807]
["OCC",2007,"concentration_risk","Concentration Risk",6,0.01754]
["OCC",2007,"corporate_governance","Governance",46,0.1345]
["OCC",2007,"cre_risk","CRE Risk",4,0.0117]
["OCC",2007,"credit_risk","Credit Risk",46,0.1345]
["OCC",2007,"deposit_stability","Deposit Stability",47,0.13743]
["OCC",2007,"fintech_innovation","Fintech & Innovation",29,0.0848]
["OCC",2007,"market_risk","Market Risk",71,0.2076]
["OCC",2007,"third_party_risk","Third-Party Risk",15,0.04386]
["OCC",2008,"compliance_risk","Compliance",72,0.26966]
["OCC",2008,"concentration_risk","Concentration Risk",20,0.07491]
["OCC",2008,"corporate_governance","Governance",29,0.10861]
["OCC",2008,"cre_risk","CRE Risk",8,0.02996]
["OCC",2008,"credit_risk","Credit Risk",29,0.10861]
["OCC",2008,"deposit_stability","Deposit Stability",33,0.1236]
["OCC",2008,"fintech_innovation","Fintech & Innovation",31,0.1161]
["OCC",2008,"market_risk","Market Risk",40,0.14981]
["OCC",2008,"third_party_risk","Third-Party Risk",5,0.01873]
["OCC",2009,"compliance_risk","Compliance",102,0.31776]
["OCC",2009,"concentration_risk","Concentration Risk",30,0.09346]
["OCC",2009,"corporate_governance","Governance",43,0.13396]
["OCC",2009,"cre_risk","CRE Risk",28,0.08723]
["OCC",2009,"credit_risk","Credit Risk",6,0.01869]
["OCC",2009,"deposit_stability","Deposit Stability",46,0.1433]
["OCC",2009,"fintech_innovation","Fintech & Innovation",12,0.03738]
["OCC",2009,"market_risk","Market Risk",50,0.15576]
["OCC",2009,"third_party_risk","Third-Party Risk",4,0.01246]
["OCC",2010,"compliance_risk","Compliance",69,0.40116]
["OCC",2010,"concentration_risk","Concentration Risk",21,0.12209]
["OCC",2010,"corporate_governance","Governance",17,0.09884]
["OCC",2010,"cre_risk","CRE Risk",7,0.0407]
["OCC",2010,"credit_risk","Credit Risk",6,0.03488]
["OCC",2010,"deposit_stability","Deposit Stability",48,0.27907]
["OCC",2010,"fintech_innovation","Fintech & Innovation",1,0.00581]
["OCC",2010,"market_risk","Market Risk",3,0.01744]
["OCC",2011,"compliance_risk","Compliance",82,0.43617]
["OCC",2011,"concentration_risk","Concentration Risk",23,0.12234]
["OCC",2011,"corporate_governance","Governance",19,0.10106]
["OCC",2011,"cre_risk","CRE Risk",12,0.06383]
["OCC",2011,"credit_risk","Credit Risk",12,0.06383]
["OCC",2011,"crypto_digital_assets","Crypto & Digital Assets",2,0.01064]
["OCC",2011,"deposit_stability","Deposit Stability",23,0.12234]
["OCC",2011,"fintech_innovation","Fintech & Innovation",2,0.01064]
["OCC",2011,"market_risk","Market Risk",13,0.06915]
["OCC",2012,"compliance_risk","Compliance",58,0.28856]
["OCC",2012,"concentration_risk","Concentration Risk",19,0.09453]
["OCC",2012,"consumer_protection","Consumer Protection",2,0.00995]
["OCC",2012,"corporate_governance","Governance",5,0.02488]
["OCC",2012,"cre_risk","CRE Risk",5,0.02488]
["OCC",2012,"credit_risk","Credit Risk",58,0.28856]
["OCC",2012,"deposit_stability","Deposit Stability",31,0.15423]
["OCC",2012,"fintech_innovation","Fintech & Innovation",5,0.02488]
["OCC",2012,"interest_rate_risk","Interest-Rate Risk",4,0.0199]
["OCC",2012,"market_risk","Market Risk",8,0.0398]
["OCC",2012,"operational_risk","Operational Risk",4,0.0199]
["OCC",2012,"residential_mortgage","Residential Mortgage",2,0.00995]
["OCC",2013,"compliance_risk","Compliance",36,0.29032]
["OCC",2013,"concentration_risk","Concentration Risk",9,0.07258]
["OCC",2013,"consumer_protection","Consumer Protection",1,0.00806]
["OCC",2013,"corporate_governance","Governance",14,0.1129]
["OCC",2013,"cre_risk","CRE Risk",7,0.05645]
["OCC",2013,"credit_risk","Credit Risk",24,0.19355]
["OCC",2013,"deposit_stability","Deposit Stability",16,0.12903]
["OCC",2013,"interest_rate_risk","Interest-Rate Risk",6,0.04839]
["OCC",2013,"market_risk","Market Risk",1,0.00806]
["OCC",2013,"operational_risk","Operational Risk",8,0.06452]
["OCC",2013,"third_party_risk","Third-Party Risk",2,0.01613]
["OCC",2014,"compliance_risk","Compliance",79,0.32245]
["OCC",2014,"concentration_risk","Concentration Risk",13,0.05306]
["OCC",2014,"consumer_protection","Consumer Protection",1,0.00408]
["OCC",2014,"corporate_governance","Governance",11,0.0449]
["OCC",2014,"cre_risk","CRE Risk",4,0.01633]
["OCC",2014,"credit_risk","Credit Risk",77,0.31429]
["OCC",2014,"cyber_risk","Cyber Risk",1,0.00408]
["OCC",2014,"deposit_stability","Deposit Stability",19,0.07755]
["OCC",2014,"fintech_innovation","Fintech & Innovation",14,0.05714]
["OCC",2014,"interest_rate_risk","Interest-Rate Risk",11,0.0449]
["OCC",2014,"market_risk","Market Risk",6,0.02449]
["OCC",2014,"operational_risk","Operational Risk",4,0.01633]
["OCC",2014,"third_party_risk","Third-Party Risk",5,0.02041]
["OCC",2015,"bsa_aml","BSA / AML",1,0.00372]
["OCC",2015,"compliance_risk","Compliance",55,0.20446]
["OCC",2015,"concentration_risk","Concentration Risk",8,0.02974]
["OCC",2015,"corporate_governance","Governance",13,0.04833]
["OCC",2015,"cre_risk","CRE Risk",17,0.0632]
["OCC",2015,"credit_risk","Credit Risk",105,0.39033]
["OCC",2015,"cyber_risk","Cyber Risk",2,0.00743]
["OCC",2015,"deposit_stability","Deposit Stability",40,0.1487]
["OCC",2015,"fintech_innovation","Fintech & Innovation",5,0.01859]
["OCC",2015,"interest_rate_risk","Interest-Rate Risk",7,0.02602]
["OCC",2015,"liquidity_risk","Liquidity Risk",1,0.00372]
["OCC",2015,"market_risk","Market Risk",6,0.0223]
["OCC",2015,"operational_risk","Operational Risk",6,0.0223]
["OCC",2015,"third_party_risk","Third-Party Risk",3,0.01115]
["OCC",2016,"compliance_risk","Compliance",41,0.18894]
["OCC",2016,"concentration_risk","Concentration Risk",2,0.00922]
["OCC",2016,"corporate_governance","Governance",20,0.09217]
["OCC",2016,"cre_risk","CRE Risk",7,0.03226]
["OCC",2016,"credit_risk","Credit Risk",98,0.45161]
["OCC",2016,"cyber_risk","Cyber Risk",5,0.02304]
["OCC",2016,"deposit_stability","Deposit Stability",27,0.12442]
["OCC",2016,"fintech_innovation","Fintech & Innovation",7,0.03226]
["OCC",2016,"interest_rate_risk","Interest-Rate Risk",1,0.00461]
["OCC",2016,"market_risk","Market Risk",1,0.00461]
["OCC",2016,"operational_risk","Operational Risk",5,0.02304]
["OCC",2016,"third_party_risk","Third-Party Risk",3,0.01382]
["OCC",2017,"bsa_aml","BSA / AML",1,0.00538]
["OCC",2017,"compliance_risk","Compliance",61,0.32796]
["OCC",2017,"concentration_risk","Concentration Risk",4,0.02151]
["OCC",2017,"corporate_governance","Governance",10,0.05376]
["OCC",2017,"cre_risk","CRE Risk",5,0.02688]
["OCC",2017,"credit_risk","Credit Risk",69,0.37097]
["OCC",2017,"cyber_risk","Cyber Risk",4,0.02151]
["OCC",2017,"deposit_stability","Deposit Stability",15,0.08065]
["OCC",2017,"fintech_innovation","Fintech & Innovation",11,0.05914]
["OCC",2017,"interest_rate_risk","Interest-Rate Risk",2,0.01075]
["OCC",2017,"market_risk","Market Risk",1,0.00538]
["OCC",2017,"operational_risk","Operational Risk",1,0.00538]
["OCC",2017,"third_party_risk","Third-Party Risk",2,0.01075]
["OCC",2018,"compliance_risk","Compliance",35,0.24823]
["OCC",2018,"concentration_risk","Concentration Risk",4,0.02837]
["OCC",2018,"corporate_governance","Governance",21,0.14894]
["OCC",2018,"cre_risk","CRE Risk",2,0.01418]
["OCC",2018,"credit_risk","Credit Risk",29,0.20567]
["OCC",2018,"cyber_risk","Cyber Risk",2,0.01418]
["OCC",2018,"deposit_stability","Deposit Stability",19,0.13475]
["OCC",2018,"fintech_innovation","Fintech & Innovation",6,0.04255]
["OCC",2018,"interest_rate_risk","Interest-Rate Risk",9,0.06383]
["OCC",2018,"market_risk","Market Risk",7,0.04965]
["OCC",2018,"operational_risk","Operational Risk",5,0.03546]
["OCC",2018,"third_party_risk","Third-Party Risk",2,0.01418]
["OCC",2019,"bsa_aml","BSA / AML",1,0.00813]
["OCC",2019,"capital_adequacy","Capital Adequacy",2,0.01626]
["OCC",2019,"compliance_risk","Compliance",34,0.27642]
["OCC",2019,"concentration_risk","Concentration Risk",4,0.03252]
["OCC",2019,"corporate_governance","Governance",16,0.13008]
["OCC",2019,"cre_risk","CRE Risk",2,0.01626]
["OCC",2019,"credit_risk","Credit Risk",24,0.19512]
["OCC",2019,"cyber_risk","Cyber Risk",3,0.02439]
["OCC",2019,"deposit_stability","Deposit Stability",9,0.07317]
["OCC",2019,"fintech_innovation","Fintech & Innovation",12,0.09756]
["OCC",2019,"interest_rate_risk","Interest-Rate Risk",9,0.07317]
["OCC",2019,"operational_risk","Operational Risk",6,0.04878]
["OCC",2019,"third_party_risk","Third-Party Risk",1,0.00813]
["OCC",2020,"compliance_risk","Compliance",38,0.29688]
["OCC",2020,"concentration_risk","Concentration Risk",1,0.00781]
["OCC",2020,"corporate_governance","Governance",10,0.07812]
["OCC",2020,"cre_risk","CRE Risk",1,0.00781]
["OCC",2020,"credit_risk","Credit Risk",15,0.11719]
["OCC",2020,"crypto_digital_assets","Crypto & Digital Assets",12,0.09375]
["OCC",2020,"cyber_risk","Cyber Risk",5,0.03906]
["OCC",2020,"deposit_stability","Deposit Stability",12,0.09375]
["OCC",2020,"fintech_innovation","Fintech & Innovation",15,0.11719]
["OCC",2020,"interest_rate_risk","Interest-Rate Risk",7,0.05469]
["OCC",2020,"liquidity_risk","Liquidity Risk",1,0.00781]
["OCC",2020,"market_risk","Market Risk",2,0.01562]
["OCC",2020,"operational_risk","Operational Risk",5,0.03906]
["OCC",2020,"third_party_risk","Third-Party Risk",4,0.03125]
["OCC",2021,"climate_risk","Climate Risk",3,0.01685]
["OCC",2021,"compliance_risk","Compliance",74,0.41573]
["OCC",2021,"concentration_risk","Concentration Risk",9,0.05056]
["OCC",2021,"corporate_governance","Governance",12,0.06742]
["OCC",2021,"cre_risk","CRE Risk",5,0.02809]
["OCC",2021,"credit_risk","Credit Risk",24,0.13483]
["OCC",2021,"crypto_digital_assets","Crypto & Digital Assets",9,0.05056]
["OCC",2021,"cyber_risk","Cyber Risk",1,0.00562]
["OCC",2021,"deposit_stability","Deposit Stability",4,0.02247]
["OCC",2021,"fintech_innovation","Fintech & Innovation",10,0.05618]
["OCC",2021,"interest_rate_risk","Interest-Rate Risk",11,0.0618]
["OCC",2021,"market_risk","Market Risk",7,0.03933]
["OCC",2021,"operational_risk","Operational Risk",6,0.03371]
["OCC",2021,"residential_mortgage","Residential Mortgage",1,0.00562]
["OCC",2021,"third_party_risk","Third-Party Risk",2,0.01124]
["OCC",2022,"capital_adequacy","Capital Adequacy",1,0.00893]
["OCC",2022,"climate_risk","Climate Risk",4,0.03571]
["OCC",2022,"compliance_risk","Compliance",30,0.26786]
["OCC",2022,"concentration_risk","Concentration Risk",10,0.08929]
["OCC",2022,"corporate_governance","Governance",9,0.08036]
["OCC",2022,"cre_risk","CRE Risk",6,0.05357]
["OCC",2022,"credit_risk","Credit Risk",15,0.13393]
["OCC",2022,"crypto_digital_assets","Crypto & Digital Assets",2,0.01786]
["OCC",2022,"cyber_risk","Cyber Risk",2,0.01786]
["OCC",2022,"deposit_stability","Deposit Stability",7,0.0625]
["OCC",2022,"fintech_innovation","Fintech & Innovation",7,0.0625]
["OCC",2022,"interest_rate_risk","Interest-Rate Risk",6,0.05357]
["OCC",2022,"liquidity_risk","Liquidity Risk",3,0.02679]
["OCC",2022,"operational_risk","Operational Risk",6,0.05357]
["OCC",2022,"residential_mortgage","Residential Mortgage",1,0.00893]
["OCC",2022,"third_party_risk","Third-Party Risk",3,0.02679]
["OCC",2023,"climate_risk","Climate Risk",3,0.02804]
["OCC",2023,"compliance_risk","Compliance",23,0.21495]
["OCC",2023,"concentration_risk","Concentration Risk",4,0.03738]
["OCC",2023,"consumer_protection","Consumer Protection",1,0.00935]
["OCC",2023,"corporate_governance","Governance",10,0.09346]
["OCC",2023,"cre_risk","CRE Risk",7,0.06542]
["OCC",2023,"credit_risk","Credit Risk",16,0.14953]
["OCC",2023,"cyber_risk","Cyber Risk",4,0.03738]
["OCC",2023,"deposit_stability","Deposit Stability",14,0.13084]
["OCC",2023,"fintech_innovation","Fintech & Innovation",1,0.00935]
["OCC",2023,"interest_rate_risk","Interest-Rate Risk",11,0.1028]
["OCC",2023,"liquidity_risk","Liquidity Risk",10,0.09346]
["OCC",2023,"market_risk","Market Risk",1,0.00935]
["OCC",2023,"operational_risk","Operational Risk",1,0.00935]
["OCC",2023,"third_party_risk","Third-Party Risk",1,0.00935]
["OCC",2024,"climate_risk","Climate Risk",2,0.02151]
["OCC",2024,"compliance_risk","Compliance",27,0.29032]
["OCC",2024,"corporate_governance","Governance",4,0.04301]
["OCC",2024,"cre_risk","CRE Risk",5,0.05376]
["OCC",2024,"credit_risk","Credit Risk",8,0.08602]
["OCC",2024,"crypto_digital_assets","Crypto & Digital Assets",3,0.03226]
["OCC",2024,"cyber_risk","Cyber Risk",4,0.04301]
["OCC",2024,"deposit_stability","Deposit Stability",3,0.03226]
["OCC",2024,"fintech_innovation","Fintech & Innovation",3,0.03226]
["OCC",2024,"interest_rate_risk","Interest-Rate Risk",13,0.13978]
["OCC",2024,"liquidity_risk","Liquidity Risk",3,0.03226]
["OCC",2024,"market_risk","Market Risk",7,0.07527]
["OCC",2024,"operational_risk","Operational Risk",3,0.03226]
["OCC",2024,"residential_mortgage","Residential Mortgage",4,0.04301]
["OCC",2024,"third_party_risk","Third-Party Risk",4,0.04301]
["OCC",2025,"compliance_risk","Compliance",23,0.2875]
["OCC",2025,"concentration_risk","Concentration Risk",3,0.0375]
["OCC",2025,"corporate_governance","Governance",14,0.175]
["OCC",2025,"credit_risk","Credit Risk",10,0.125]
["OCC",2025,"crypto_digital_assets","Crypto & Digital Assets",3,0.0375]
["OCC",2025,"deposit_stability","Deposit Stability",5,0.0625]
["OCC",2025,"fintech_innovation","Fintech & Innovation",9,0.1125]
["OCC",2025,"interest_rate_risk","Interest-Rate Risk",7,0.0875]
["OCC",2025,"liquidity_risk","Liquidity Risk",2,0.025]
["OCC",2025,"operational_risk","Operational Risk",3,0.0375]
["OCC",2025,"third_party_risk","Third-Party Risk",1,0.0125]
["Fed",2012,"capital_adequacy","Capital Adequacy",3,0.375]
["Fed",2012,"compliance_risk","Compliance",1,0.125]
["Fed",2012,"corporate_governance","Governance",2,0.25]
["Fed",2012,"liquidity_risk","Liquidity Risk",1,0.125]
["Fed",2012,"market_risk","Market Risk",1,0.125]
["Fed",2013,"bsa_aml","BSA / AML",1,0.08333]
["Fed",2013,"compliance_risk","Compliance",2,0.16667]
["Fed",2013,"corporate_governance","Governance",1,0.08333]
["Fed",2013,"credit_risk","Credit Risk",1,0.08333]
["Fed",2013,"systemic_risk","Systemic Risk",6,0.5]
["Fed",2013,"third_party_risk","Third-Party Risk",1,0.08333]
["Fed",2014,"bsa_aml","BSA / AML",1,0.08333]
["Fed",2014,"capital_adequacy","Capital Adequacy",2,0.16667]
["Fed",2014,"compliance_risk","Compliance",1,0.08333]
["Fed",2014,"consumer_protection","Consumer Protection",2,0.16667]
["Fed",2014,"corporate_governance","Governance",3,0.25]
["Fed",2014,"liquidity_risk","Liquidity Risk",1,0.08333]
["Fed",2014,"systemic_risk","Systemic Risk",2,0.16667]
["Fed",2015,"bsa_aml","BSA / AML",1,0.11111]
["Fed",2015,"capital_adequacy","Capital Adequacy",3,0.33333]
["Fed",2015,"compliance_risk","Compliance",1,0.11111]
["Fed",2015,"cyber_risk","Cyber Risk",2,0.22222]
["Fed",2015,"systemic_risk","Systemic Risk",2,0.22222]
["Fed",2016,"bsa_aml","BSA / AML",1,0.05556]
["Fed",2016,"capital_adequacy","Capital Adequacy",1,0.05556]
["Fed",2016,"compliance_risk","Compliance",1,0.05556]
["Fed",2016,"consumer_protection","Consumer Protection",1,0.05556]
["Fed",2016,"corporate_governance","Governance",2,0.11111]
["Fed",2016,"credit_risk","Credit Risk",1,0.05556]
["Fed",2016,"operational_risk","Operational Risk",1,0.05556]
["Fed",2016,"systemic_risk","Systemic Risk",10,0.55556]
["Fed",2017,"compliance_risk","Compliance",1,0.06667]
["Fed",2017,"corporate_governance","Governance",1,0.06667]
["Fed",2017,"credit_risk","Credit Risk",1,0.06667]
["Fed",2017,"market_risk","Market Risk",1,0.06667]
["Fed",2017,"systemic_risk","Systemic Risk",11,0.73333]
["Fed",2018,"capital_adequacy","Capital Adequacy",1,0.02273]
["Fed",2018,"consumer_protection","Consumer Protection",1,0.02273]
["Fed",2018,"corporate_governance","Governance",1,0.02273]
["Fed",2018,"cre_risk","CRE Risk",2,0.04545]
["Fed",2018,"credit_risk","Credit Risk",11,0.25]
["Fed",2018,"liquidity_risk","Liquidity Risk",4,0.09091]
["Fed",2018,"market_risk","Market Risk",7,0.15909]
["Fed",2018,"systemic_risk","Systemic Risk",17,0.38636]
["Fed",2019,"capital_adequacy","Capital Adequacy",2,0.02174]
["Fed",2019,"compliance_risk","Compliance",1,0.01087]
["Fed",2019,"corporate_governance","Governance",2,0.02174]
["Fed",2019,"cre_risk","CRE Risk",2,0.02174]
["Fed",2019,"credit_risk","Credit Risk",25,0.27174]
["Fed",2019,"liquidity_risk","Liquidity Risk",9,0.09783]
["Fed",2019,"market_risk","Market Risk",20,0.21739]
["Fed",2019,"systemic_risk","Systemic Risk",31,0.33696]
["Fed",2020,"capital_adequacy","Capital Adequacy",1,0.00758]
["Fed",2020,"climate_risk","Climate Risk",3,0.02273]
["Fed",2020,"consumer_protection","Consumer Protection",3,0.02273]
["Fed",2020,"cre_risk","CRE Risk",2,0.01515]
["Fed",2020,"credit_risk","Credit Risk",38,0.28788]
["Fed",2020,"liquidity_risk","Liquidity Risk",20,0.15152]
["Fed",2020,"market_risk","Market Risk",27,0.20455]
["Fed",2020,"operational_risk","Operational Risk",2,0.01515]
["Fed",2020,"systemic_risk","Systemic Risk",36,0.27273]
["Fed",2021,"climate_risk","Climate Risk",2,0.01504]
["Fed",2021,"consumer_protection","Consumer Protection",1,0.00752]
["Fed",2021,"corporate_governance","Governance",1,0.00752]
["Fed",2021,"cre_risk","CRE Risk",3,0.02256]
["Fed",2021,"credit_risk","Credit Risk",33,0.24812]
["Fed",2021,"cyber_risk","Cyber Risk",4,0.03008]
["Fed",2021,"liquidity_risk","Liquidity Risk",19,0.14286]
["Fed",2021,"market_risk","Market Risk",31,0.23308]
["Fed",2021,"systemic_risk","Systemic Risk",38,0.28571]
["Fed",2021,"third_party_risk","Third-Party Risk",1,0.00752]
["Fed",2022,"capital_adequacy","Capital Adequacy",1,0.00704]
["Fed",2022,"climate_risk","Climate Risk",4,0.02817]
["Fed",2022,"consumer_protection","Consumer Protection",1,0.00704]
["Fed",2022,"corporate_governance","Governance",2,0.01408]
["Fed",2022,"cre_risk","CRE Risk",1,0.00704]
["Fed",2022,"credit_risk","Credit Risk",28,0.19718]
["Fed",2022,"crypto_digital_assets","Crypto & Digital Assets",6,0.04225]
["Fed",2022,"cyber_risk","Cyber Risk",2,0.01408]
["Fed",2022,"liquidity_risk","Liquidity Risk",20,0.14085]
["Fed",2022,"market_risk","Market Risk",40,0.28169]
["Fed",2022,"systemic_risk","Systemic Risk",37,0.26056]
["Fed",2023,"climate_risk","Climate Risk",1,0.00709]
["Fed",2023,"compliance_risk","Compliance",3,0.02128]
["Fed",2023,"corporate_governance","Governance",2,0.01418]
["Fed",2023,"cre_risk","CRE Risk",3,0.02128]
["Fed",2023,"credit_risk","Credit Risk",38,0.2695]
["Fed",2023,"crypto_digital_assets","Crypto & Digital Assets",1,0.00709]
["Fed",2023,"liquidity_risk","Liquidity Risk",19,0.13475]
["Fed",2023,"market_risk","Market Risk",24,0.17021]
["Fed",2023,"systemic_risk","Systemic Risk",48,0.34043]
["Fed",2023,"third_party_risk","Third-Party Risk",2,0.01418]
["Fed",2024,"capital_adequacy","Capital Adequacy",1,0.00901]
["Fed",2024,"compliance_risk","Compliance",2,0.01802]
["Fed",2024,"consumer_protection","Consumer Protection",1,0.00901]
["Fed",2024,"cre_risk","CRE Risk",2,0.01802]
["Fed",2024,"credit_risk","Credit Risk",28,0.25225]
["Fed",2024,"crypto_digital_assets","Crypto & Digital Assets",1,0.00901]
["Fed",2024,"cyber_risk","Cyber Risk",1,0.00901]
["Fed",2024,"liquidity_risk","Liquidity Risk",15,0.13514]
["Fed",2024,"market_risk","Market Risk",22,0.1982]
["Fed",2024,"systemic_risk","Systemic Risk",38,0.34234]
["Fed",2025,"cre_risk","CRE Risk",1,0.00901]
["Fed",2025,"credit_risk","Credit Risk",27,0.24324]
["Fed",2025,"cyber_risk","Cyber Risk",3,0.02703]
["Fed",2025,"liquidity_risk","Liquidity Risk",21,0.18919]
["Fed",2025,"market_risk","Market Risk",25,0.22523]
["Fed",2025,"systemic_risk","Systemic Risk",34,0.30631]
["FDIC",2003,"consumer_protection","Consumer Protection",8,0.88889]
["FDIC",2003,"liquidity_risk","Liquidity Risk",1,0.11111]
["FDIC",2004,"capital_adequacy","Capital Adequacy",1,0.05263]
["FDIC",2004,"consumer_protection","Consumer Protection",15,0.78947]
["FDIC",2004,"credit_risk","Credit Risk",1,0.05263]
["FDIC",2004,"deposit_stability","Deposit Stability",1,0.05263]
["FDIC",2004,"operational_risk","Operational Risk",1,0.05263]
["FDIC",2005,"capital_adequacy","Capital Adequacy",1,0.03704]
["FDIC",2005,"compliance_risk","Compliance",3,0.11111]
["FDIC",2005,"consumer_protection","Consumer Protection",12,0.44444]
["FDIC",2005,"credit_risk","Credit Risk",1,0.03704]
["FDIC",2005,"deposit_stability","Deposit Stability",1,0.03704]
["FDIC",2005,"operational_risk","Operational Risk",9,0.33333]
["FDIC",2006,"bsa_aml","BSA / AML",1,0.0625]
["FDIC",2006,"consumer_protection","Consumer Protection",3,0.1875]
["FDIC",2006,"credit_risk","Credit Risk",2,0.125]
["FDIC",2006,"deposit_stability","Deposit Stability",8,0.5]
["FDIC",2006,"operational_risk","Operational Risk",2,0.125]
["FDIC",2007,"capital_adequacy","Capital Adequacy",1,0.06667]
["FDIC",2007,"consumer_protection","Consumer Protection",11,0.73333]
["FDIC",2007,"deposit_stability","Deposit Stability",1,0.06667]
["FDIC",2007,"interest_rate_risk","Interest-Rate Risk",1,0.06667]
["FDIC",2007,"third_party_risk","Third-Party Risk",1,0.06667]
["FDIC",2008,"capital_adequacy","Capital Adequacy",4,0.17391]
["FDIC",2008,"consumer_protection","Consumer Protection",7,0.30435]
["FDIC",2008,"deposit_stability","Deposit Stability",4,0.17391]
["FDIC",2008,"liquidity_risk","Liquidity Risk",4,0.17391]
["FDIC",2008,"third_party_risk","Third-Party Risk",4,0.17391]
["FDIC",2009,"capital_adequacy","Capital Adequacy",4,0.22222]
["FDIC",2009,"compliance_risk","Compliance",1,0.05556]
["FDIC",2009,"consumer_protection","Consumer Protection",10,0.55556]
["FDIC",2009,"credit_risk","Credit Risk",1,0.05556]
["FDIC",2009,"deposit_stability","Deposit Stability",1,0.05556]
["FDIC",2009,"liquidity_risk","Liquidity Risk",1,0.05556]
["FDIC",2010,"capital_adequacy","Capital Adequacy",1,0.04]
["FDIC",2010,"consumer_protection","Consumer Protection",13,0.52]
["FDIC",2010,"credit_risk","Credit Risk",2,0.08]
["FDIC",2010,"deposit_stability","Deposit Stability",3,0.12]
["FDIC",2010,"interest_rate_risk","Interest-Rate Risk",1,0.04]
["FDIC",2010,"liquidity_risk","Liquidity Risk",1,0.04]
["FDIC",2010,"third_party_risk","Third-Party Risk",4,0.16]
["FDIC",2011,"capital_adequacy","Capital Adequacy",1,0.125]
["FDIC",2011,"consumer_protection","Consumer Protection",6,0.75]
["FDIC",2011,"liquidity_risk","Liquidity Risk",1,0.125]
["FDIC",2012,"consumer_protection","Consumer Protection",5,0.625]
["FDIC",2012,"credit_risk","Credit Risk",1,0.125]
["FDIC",2012,"interest_rate_risk","Interest-Rate Risk",2,0.25]
["FDIC",2013,"capital_adequacy","Capital Adequacy",1,0.08333]
["FDIC",2013,"compliance_risk","Compliance",1,0.08333]
["FDIC",2013,"consumer_protection","Consumer Protection",8,0.66667]
["FDIC",2013,"credit_risk","Credit Risk",1,0.08333]
["FDIC",2013,"cyber_risk","Cyber Risk",1,0.08333]
["FDIC",2014,"capital_adequacy","Capital Adequacy",4,0.25]
["FDIC",2014,"consumer_protection","Consumer Protection",5,0.3125]
["FDIC",2014,"credit_risk","Credit Risk",1,0.0625]
["FDIC",2014,"cyber_risk","Cyber Risk",1,0.0625]
["FDIC",2014,"deposit_stability","Deposit Stability",1,0.0625]
["FDIC",2014,"third_party_risk","Third-Party Risk",4,0.25]
["FDIC",2015,"capital_adequacy","Capital Adequacy",5,0.20833]
["FDIC",2015,"consumer_protection","Consumer Protection",12,0.5]
["FDIC",2015,"credit_risk","Credit Risk",2,0.08333]
["FDIC",2015,"cyber_risk","Cyber Risk",2,0.08333]
["FDIC",2015,"deposit_stability","Deposit Stability",2,0.08333]
["FDIC",2015,"third_party_risk","Third-Party Risk",1,0.04167]
["FDIC",2016,"bsa_aml","BSA / AML",2,0.04878]
["FDIC",2016,"capital_adequacy","Capital Adequacy",1,0.02439]
["FDIC",2016,"compliance_risk","Compliance",2,0.04878]
["FDIC",2016,"consumer_protection","Consumer Protection",22,0.53659]
["FDIC",2016,"credit_risk","Credit Risk",1,0.02439]
["FDIC",2016,"cyber_risk","Cyber Risk",2,0.04878]
["FDIC",2016,"deposit_stability","Deposit Stability",7,0.17073]
["FDIC",2016,"fintech_innovation","Fintech & Innovation",1,0.02439]
["FDIC",2016,"liquidity_risk","Liquidity Risk",2,0.04878]
["FDIC",2016,"operational_risk","Operational Risk",1,0.02439]
["FDIC",2017,"capital_adequacy","Capital Adequacy",4,0.13793]
["FDIC",2017,"compliance_risk","Compliance",2,0.06897]
["FDIC",2017,"consumer_protection","Consumer Protection",11,0.37931]
["FDIC",2017,"credit_risk","Credit Risk",2,0.06897]
["FDIC",2017,"deposit_stability","Deposit Stability",2,0.06897]
["FDIC",2017,"liquidity_risk","Liquidity Risk",1,0.03448]
["FDIC",2017,"operational_risk","Operational Risk",5,0.17241]
["FDIC",2017,"third_party_risk","Third-Party Risk",2,0.06897]
["FDIC",2018,"bsa_aml","BSA / AML",7,0.12281]
["FDIC",2018,"capital_adequacy","Capital Adequacy",6,0.10526]
["FDIC",2018,"compliance_risk","Compliance",5,0.08772]
["FDIC",2018,"consumer_protection","Consumer Protection",22,0.38596]
["FDIC",2018,"credit_risk","Credit Risk",1,0.01754]
["FDIC",2018,"cyber_risk","Cyber Risk",2,0.03509]
["FDIC",2018,"deposit_stability","Deposit Stability",9,0.15789]
["FDIC",2018,"interest_rate_risk","Interest-Rate Risk",1,0.01754]
["FDIC",2018,"liquidity_risk","Liquidity Risk",1,0.01754]
["FDIC",2018,"operational_risk","Operational Risk",2,0.03509]
["FDIC",2018,"third_party_risk","Third-Party Risk",1,0.01754]
["FDIC",2019,"bsa_aml","BSA / AML",2,0.03571]
["FDIC",2019,"capital_adequacy","Capital Adequacy",11,0.19643]
["FDIC",2019,"compliance_risk","Compliance",3,0.05357]
["FDIC",2019,"consumer_protection","Consumer Protection",26,0.46429]
["FDIC",2019,"credit_risk","Credit Risk",2,0.03571]
["FDIC",2019,"deposit_stability","Deposit Stability",11,0.19643]
["FDIC",2019,"operational_risk","Operational Risk",1,0.01786]
["FDIC",2020,"bsa_aml","BSA / AML",1,0.0101]
["FDIC",2020,"capital_adequacy","Capital Adequacy",12,0.12121]
["FDIC",2020,"compliance_risk","Compliance",5,0.05051]
["FDIC",2020,"consumer_protection","Consumer Protection",40,0.40404]
["FDIC",2020,"credit_risk","Credit Risk",5,0.05051]
["FDIC",2020,"cyber_risk","Cyber Risk",3,0.0303]
["FDIC",2020,"deposit_stability","Deposit Stability",12,0.12121]
["FDIC",2020,"interest_rate_risk","Interest-Rate Risk",1,0.0101]
["FDIC",2020,"liquidity_risk","Liquidity Risk",5,0.05051]
["FDIC",2020,"operational_risk","Operational Risk",9,0.09091]
["FDIC",2020,"third_party_risk","Third-Party Risk",6,0.06061]
["FDIC",2021,"bsa_aml","BSA / AML",1,0.0119]
["FDIC",2021,"capital_adequacy","Capital Adequacy",8,0.09524]
["FDIC",2021,"compliance_risk","Compliance",4,0.04762]
["FDIC",2021,"consumer_protection","Consumer Protection",40,0.47619]
["FDIC",2021,"credit_risk","Credit Risk",1,0.0119]
["FDIC",2021,"crypto_digital_assets","Crypto & Digital Assets",1,0.0119]
["FDIC",2021,"cyber_risk","Cyber Risk",4,0.04762]
["FDIC",2021,"deposit_stability","Deposit Stability",11,0.13095]
["FDIC",2021,"fintech_innovation","Fintech & Innovation",1,0.0119]
["FDIC",2021,"interest_rate_risk","Interest-Rate Risk",1,0.0119]
["FDIC",2021,"liquidity_risk","Liquidity Risk",2,0.02381]
["FDIC",2021,"operational_risk","Operational Risk",2,0.02381]
["FDIC",2021,"third_party_risk","Third-Party Risk",8,0.09524]
["FDIC",2022,"capital_adequacy","Capital Adequacy",3,0.06122]
["FDIC",2022,"climate_risk","Climate Risk",1,0.02041]
["FDIC",2022,"compliance_risk","Compliance",1,0.02041]
["FDIC",2022,"consumer_protection","Consumer Protection",22,0.44898]
["FDIC",2022,"credit_risk","Credit Risk",1,0.02041]
["FDIC",2022,"crypto_digital_assets","Crypto & Digital Assets",2,0.04082]
["FDIC",2022,"cyber_risk","Cyber Risk",2,0.04082]
["FDIC",2022,"deposit_stability","Deposit Stability",13,0.26531]
["FDIC",2022,"interest_rate_risk","Interest-Rate Risk",1,0.02041]
["FDIC",2022,"operational_risk","Operational Risk",2,0.04082]
["FDIC",2022,"third_party_risk","Third-Party Risk",1,0.02041]
["FDIC",2023,"bsa_aml","BSA / AML",1,0.01515]
["FDIC",2023,"capital_adequacy","Capital Adequacy",4,0.06061]
["FDIC",2023,"climate_risk","Climate Risk",1,0.01515]
["FDIC",2023,"compliance_risk","Compliance",2,0.0303]
["FDIC",2023,"consumer_protection","Consumer Protection",28,0.42424]
["FDIC",2023,"credit_risk","Credit Risk",2,0.0303]
["FDIC",2023,"crypto_digital_assets","Crypto & Digital Assets",1,0.01515]
["FDIC",2023,"cyber_risk","Cyber Risk",1,0.01515]
["FDIC",2023,"deposit_stability","Deposit Stability",16,0.24242]
["FDIC",2023,"fintech_innovation","Fintech & Innovation",1,0.01515]
["FDIC",2023,"interest_rate_risk","Interest-Rate Risk",1,0.01515]
["FDIC",2023,"liquidity_risk","Liquidity Risk",4,0.06061]
["FDIC",2023,"third_party_risk","Third-Party Risk",4,0.06061]
["FDIC",2024,"bsa_aml","BSA / AML",2,0.02532]
["FDIC",2024,"capital_adequacy","Capital Adequacy",2,0.02532]
["FDIC",2024,"climate_risk","Climate Risk",1,0.01266]
["FDIC",2024,"compliance_risk","Compliance",3,0.03797]
["FDIC",2024,"consumer_protection","Consumer Protection",52,0.65823]
["FDIC",2024,"credit_risk","Credit Risk",2,0.02532]
["FDIC",2024,"crypto_digital_assets","Crypto & Digital Assets",1,0.01266]
["FDIC",2024,"cyber_risk","Cyber Risk",3,0.03797]
["FDIC",2024,"deposit_stability","Deposit Stability",10,0.12658]
["FDIC",2024,"interest_rate_risk","Interest-Rate Risk",1,0.01266]
["FDIC",2024,"liquidity_risk","Liquidity Risk",1,0.01266]
["FDIC",2024,"third_party_risk","Third-Party Risk",1,0.01266]
["FDIC",2025,"bsa_aml","BSA / AML",2,0.02703]
["FDIC",2025,"capital_adequacy","Capital Adequacy",4,0.05405]
["FDIC",2025,"consumer_protection","Consumer Protection",42,0.56757]
["FDIC",2025,"credit_risk","Credit Risk",1,0.01351]
["FDIC",2025,"crypto_digital_assets","Crypto & Digital Assets",1,0.01351]
["FDIC",2025,"deposit_stability","Deposit Stability",23,0.31081]
["FDIC",2025,"operational_risk","Operational Risk",1,0.01351]
["ALL",1995,"compliance_risk","Compliance",3,0.15789]
["ALL",1995,"consumer_protection","Consumer Protection",3,0.15789]
["ALL",1995,"corporate_governance","Governance",2,0.10526]
["ALL",1995,"deposit_stability","Deposit Stability",5,0.26316]
["ALL",1995,"fintech_innovation","Fintech & Innovation",1,0.05263]
["ALL",1995,"market_risk","Market Risk",5,0.26316]
["ALL",1996,"capital_adequacy","Capital Adequacy",4,0.00574]
["ALL",1996,"compliance_risk","Compliance",216,0.3099]
["ALL",1996,"concentration_risk","Concentration Risk",160,0.22956]
["ALL",1996,"consumer_protection","Consumer Protection",2,0.00287]
["ALL",1996,"corporate_governance","Governance",119,0.17073]
["ALL",1996,"cre_risk","CRE Risk",13,0.01865]
["ALL",1996,"credit_risk","Credit Risk",77,0.11047]
["ALL",1996,"crypto_digital_assets","Crypto & Digital Assets",2,0.00287]
["ALL",1996,"deposit_stability","Deposit Stability",7,0.01004]
["ALL",1996,"fintech_innovation","Fintech & Innovation",61,0.08752]
["ALL",1996,"market_risk","Market Risk",33,0.04735]
["ALL",1996,"third_party_risk","Third-Party Risk",3,0.0043]
["ALL",1997,"capital_adequacy","Capital Adequacy",1,0.00067]
["ALL",1997,"compliance_risk","Compliance",297,0.19906]
["ALL",1997,"concentration_risk","Concentration Risk",657,0.44035]
["ALL",1997,"consumer_protection","Consumer Protection",3,0.00201]
["ALL",1997,"corporate_governance","Governance",274,0.18365]
["ALL",1997,"cre_risk","CRE Risk",25,0.01676]
["ALL",1997,"credit_risk","Credit Risk",119,0.07976]
["ALL",1997,"cyber_risk","Cyber Risk",1,0.00067]
["ALL",1997,"deposit_stability","Deposit Stability",10,0.0067]
["ALL",1997,"fintech_innovation","Fintech & Innovation",23,0.01542]
["ALL",1997,"market_risk","Market Risk",69,0.04625]
["ALL",1997,"third_party_risk","Third-Party Risk",13,0.00871]
["ALL",1998,"capital_adequacy","Capital Adequacy",3,0.00333]
["ALL",1998,"compliance_risk","Compliance",150,0.1663]
["ALL",1998,"concentration_risk","Concentration Risk",235,0.26053]
["ALL",1998,"consumer_protection","Consumer Protection",2,0.00222]
["ALL",1998,"corporate_governance","Governance",311,0.34479]
["ALL",1998,"cre_risk","CRE Risk",27,0.02993]
["ALL",1998,"credit_risk","Credit Risk",76,0.08426]
["ALL",1998,"crypto_digital_assets","Crypto & Digital Assets",7,0.00776]
["ALL",1998,"deposit_stability","Deposit Stability",5,0.00554]
["ALL",1998,"fintech_innovation","Fintech & Innovation",29,0.03215]
["ALL",1998,"market_risk","Market Risk",42,0.04656]
["ALL",1998,"third_party_risk","Third-Party Risk",15,0.01663]
["ALL",1999,"capital_adequacy","Capital Adequacy",4,0.00452]
["ALL",1999,"compliance_risk","Compliance",220,0.24887]
["ALL",1999,"concentration_risk","Concentration Risk",142,0.16063]
["ALL",1999,"consumer_protection","Consumer Protection",3,0.00339]
["ALL",1999,"corporate_governance","Governance",305,0.34502]
["ALL",1999,"cre_risk","CRE Risk",32,0.0362]
["ALL",1999,"credit_risk","Credit Risk",45,0.0509]
["ALL",1999,"deposit_stability","Deposit Stability",8,0.00905]
["ALL",1999,"fintech_innovation","Fintech & Innovation",56,0.06335]
["ALL",1999,"market_risk","Market Risk",59,0.06674]
["ALL",1999,"third_party_risk","Third-Party Risk",10,0.01131]
["ALL",2000,"compliance_risk","Compliance",160,0.2852]
["ALL",2000,"concentration_risk","Concentration Risk",67,0.11943]
["ALL",2000,"consumer_protection","Consumer Protection",3,0.00535]
["ALL",2000,"corporate_governance","Governance",146,0.26025]
["ALL",2000,"cre_risk","CRE Risk",6,0.0107]
["ALL",2000,"credit_risk","Credit Risk",23,0.041]
["ALL",2000,"deposit_stability","Deposit Stability",8,0.01426]
["ALL",2000,"fintech_innovation","Fintech & Innovation",63,0.1123]
["ALL",2000,"market_risk","Market Risk",72,0.12834]
["ALL",2000,"operational_risk","Operational Risk",1,0.00178]
["ALL",2000,"third_party_risk","Third-Party Risk",12,0.02139]
["ALL",2001,"bsa_aml","BSA / AML",3,0.00676]
["ALL",2001,"capital_adequacy","Capital Adequacy",1,0.00225]
["ALL",2001,"compliance_risk","Compliance",93,0.20946]
["ALL",2001,"concentration_risk","Concentration Risk",90,0.2027]
["ALL",2001,"consumer_protection","Consumer Protection",6,0.01351]
["ALL",2001,"corporate_governance","Governance",65,0.1464]
["ALL",2001,"cre_risk","CRE Risk",7,0.01577]
["ALL",2001,"credit_risk","Credit Risk",31,0.06982]
["ALL",2001,"deposit_stability","Deposit Stability",7,0.01577]
["ALL",2001,"fintech_innovation","Fintech & Innovation",73,0.16441]
["ALL",2001,"liquidity_risk","Liquidity Risk",1,0.00225]
["ALL",2001,"market_risk","Market Risk",37,0.08333]
["ALL",2001,"third_party_risk","Third-Party Risk",30,0.06757]
["ALL",2002,"compliance_risk","Compliance",67,0.22039]
["ALL",2002,"concentration_risk","Concentration Risk",18,0.05921]
["ALL",2002,"consumer_protection","Consumer Protection",4,0.01316]
["ALL",2002,"corporate_governance","Governance",59,0.19408]
["ALL",2002,"cre_risk","CRE Risk",15,0.04934]
["ALL",2002,"credit_risk","Credit Risk",22,0.07237]
["ALL",2002,"cyber_risk","Cyber Risk",1,0.00329]
["ALL",2002,"deposit_stability","Deposit Stability",10,0.03289]
["ALL",2002,"fintech_innovation","Fintech & Innovation",41,0.13487]
["ALL",2002,"liquidity_risk","Liquidity Risk",2,0.00658]
["ALL",2002,"market_risk","Market Risk",51,0.16776]
["ALL",2002,"third_party_risk","Third-Party Risk",14,0.04605]
["ALL",2003,"bsa_aml","BSA / AML",1,0.00299]
["ALL",2003,"compliance_risk","Compliance",85,0.25373]
["ALL",2003,"concentration_risk","Concentration Risk",16,0.04776]
["ALL",2003,"consumer_protection","Consumer Protection",9,0.02687]
["ALL",2003,"corporate_governance","Governance",38,0.11343]
["ALL",2003,"cre_risk","CRE Risk",13,0.03881]
["ALL",2003,"credit_risk","Credit Risk",49,0.14627]
["ALL",2003,"crypto_digital_assets","Crypto & Digital Assets",2,0.00597]
["ALL",2003,"deposit_stability","Deposit Stability",24,0.07164]
["ALL",2003,"fintech_innovation","Fintech & Innovation",39,0.11642]
["ALL",2003,"liquidity_risk","Liquidity Risk",1,0.00299]
["ALL",2003,"market_risk","Market Risk",41,0.12239]
["ALL",2003,"operational_risk","Operational Risk",1,0.00299]
["ALL",2003,"third_party_risk","Third-Party Risk",16,0.04776]
["ALL",2004,"capital_adequacy","Capital Adequacy",1,0.00345]
["ALL",2004,"compliance_risk","Compliance",73,0.25172]
["ALL",2004,"concentration_risk","Concentration Risk",26,0.08966]
["ALL",2004,"consumer_protection","Consumer Protection",16,0.05517]
["ALL",2004,"corporate_governance","Governance",60,0.2069]
["ALL",2004,"cre_risk","CRE Risk",16,0.05517]
["ALL",2004,"credit_risk","Credit Risk",32,0.11034]
["ALL",2004,"deposit_stability","Deposit Stability",19,0.06552]
["ALL",2004,"fintech_innovation","Fintech & Innovation",16,0.05517]
["ALL",2004,"market_risk","Market Risk",23,0.07931]
["ALL",2004,"operational_risk","Operational Risk",1,0.00345]
["ALL",2004,"third_party_risk","Third-Party Risk",7,0.02414]
["ALL",2005,"bsa_aml","BSA / AML",1,0.00183]
["ALL",2005,"capital_adequacy","Capital Adequacy",1,0.00183]
["ALL",2005,"compliance_risk","Compliance",108,0.1978]
["ALL",2005,"concentration_risk","Concentration Risk",11,0.02015]
["ALL",2005,"consumer_protection","Consumer Protection",13,0.02381]
["ALL",2005,"corporate_governance","Governance",77,0.14103]
["ALL",2005,"cre_risk","CRE Risk",34,0.06227]
["ALL",2005,"credit_risk","Credit Risk",58,0.10623]
["ALL",2005,"crypto_digital_assets","Crypto & Digital Assets",2,0.00366]
["ALL",2005,"cyber_risk","Cyber Risk",2,0.00366]
["ALL",2005,"deposit_stability","Deposit Stability",45,0.08242]
["ALL",2005,"fintech_innovation","Fintech & Innovation",43,0.07875]
["ALL",2005,"market_risk","Market Risk",112,0.20513]
["ALL",2005,"operational_risk","Operational Risk",9,0.01648]
["ALL",2005,"third_party_risk","Third-Party Risk",30,0.05495]
["ALL",2006,"bsa_aml","BSA / AML",1,0.00292]
["ALL",2006,"compliance_risk","Compliance",60,0.17544]
["ALL",2006,"concentration_risk","Concentration Risk",5,0.01462]
["ALL",2006,"consumer_protection","Consumer Protection",5,0.01462]
["ALL",2006,"corporate_governance","Governance",42,0.12281]
["ALL",2006,"cre_risk","CRE Risk",21,0.0614]
["ALL",2006,"credit_risk","Credit Risk",41,0.11988]
["ALL",2006,"deposit_stability","Deposit Stability",42,0.12281]
["ALL",2006,"fintech_innovation","Fintech & Innovation",30,0.08772]
["ALL",2006,"market_risk","Market Risk",85,0.24854]
["ALL",2006,"operational_risk","Operational Risk",2,0.00585]
["ALL",2006,"third_party_risk","Third-Party Risk",8,0.02339]
["ALL",2007,"bsa_aml","BSA / AML",1,0.00275]
["ALL",2007,"capital_adequacy","Capital Adequacy",1,0.00275]
["ALL",2007,"compliance_risk","Compliance",80,0.21978]
["ALL",2007,"concentration_risk","Concentration Risk",6,0.01648]
["ALL",2007,"consumer_protection","Consumer Protection",14,0.03846]
["ALL",2007,"corporate_governance","Governance",46,0.12637]
["ALL",2007,"cre_risk","CRE Risk",4,0.01099]
["ALL",2007,"credit_risk","Credit Risk",47,0.12912]
["ALL",2007,"deposit_stability","Deposit Stability",48,0.13187]
["ALL",2007,"fintech_innovation","Fintech & Innovation",29,0.07967]
["ALL",2007,"interest_rate_risk","Interest-Rate Risk",1,0.00275]
["ALL",2007,"market_risk","Market Risk",71,0.19505]
["ALL",2007,"third_party_risk","Third-Party Risk",16,0.04396]
["ALL",2008,"capital_adequacy","Capital Adequacy",4,0.01356]
["ALL",2008,"compliance_risk","Compliance",73,0.24746]
["ALL",2008,"concentration_risk","Concentration Risk",20,0.0678]
["ALL",2008,"consumer_protection","Consumer Protection",9,0.03051]
["ALL",2008,"corporate_governance","Governance",30,0.10169]
["ALL",2008,"cre_risk","CRE Risk",8,0.02712]
["ALL",2008,"credit_risk","Credit Risk",30,0.10169]
["ALL",2008,"deposit_stability","Deposit Stability",37,0.12542]
["ALL",2008,"fintech_innovation","Fintech & Innovation",31,0.10508]
["ALL",2008,"liquidity_risk","Liquidity Risk",4,0.01356]
["ALL",2008,"market_risk","Market Risk",40,0.13559]
["ALL",2008,"third_party_risk","Third-Party Risk",9,0.03051]
["ALL",2009,"capital_adequacy","Capital Adequacy",5,0.01453]
["ALL",2009,"compliance_risk","Compliance",103,0.29942]
["ALL",2009,"concentration_risk","Concentration Risk",30,0.08721]
["ALL",2009,"consumer_protection","Consumer Protection",13,0.03779]
["ALL",2009,"corporate_governance","Governance",43,0.125]
["ALL",2009,"cre_risk","CRE Risk",28,0.0814]
["ALL",2009,"credit_risk","Credit Risk",8,0.02326]
["ALL",2009,"deposit_stability","Deposit Stability",47,0.13663]
["ALL",2009,"fintech_innovation","Fintech & Innovation",12,0.03488]
["ALL",2009,"liquidity_risk","Liquidity Risk",1,0.00291]
["ALL",2009,"market_risk","Market Risk",50,0.14535]
["ALL",2009,"third_party_risk","Third-Party Risk",4,0.01163]
["ALL",2010,"capital_adequacy","Capital Adequacy",1,0.0049]
["ALL",2010,"compliance_risk","Compliance",70,0.34314]
["ALL",2010,"concentration_risk","Concentration Risk",21,0.10294]
["ALL",2010,"consumer_protection","Consumer Protection",16,0.07843]
["ALL",2010,"corporate_governance","Governance",18,0.08824]
["ALL",2010,"cre_risk","CRE Risk",7,0.03431]
["ALL",2010,"credit_risk","Credit Risk",8,0.03922]
["ALL",2010,"deposit_stability","Deposit Stability",51,0.25]
["ALL",2010,"fintech_innovation","Fintech & Innovation",1,0.0049]
["ALL",2010,"interest_rate_risk","Interest-Rate Risk",1,0.0049]
["ALL",2010,"liquidity_risk","Liquidity Risk",2,0.0098]
["ALL",2010,"market_risk","Market Risk",4,0.01961]
["ALL",2010,"third_party_risk","Third-Party Risk",4,0.01961]
["ALL",2011,"capital_adequacy","Capital Adequacy",2,0.00976]
["ALL",2011,"compliance_risk","Compliance",82,0.4]
["ALL",2011,"concentration_risk","Concentration Risk",23,0.1122]
["ALL",2011,"consumer_protection","Consumer Protection",9,0.0439]
["ALL",2011,"corporate_governance","Governance",20,0.09756]
["ALL",2011,"cre_risk","CRE Risk",12,0.05854]
["ALL",2011,"credit_risk","Credit Risk",13,0.06341]
["ALL",2011,"crypto_digital_assets","Crypto & Digital Assets",2,0.00976]
["ALL",2011,"cyber_risk","Cyber Risk",1,0.00488]
["ALL",2011,"deposit_stability","Deposit Stability",23,0.1122]
["ALL",2011,"fintech_innovation","Fintech & Innovation",2,0.00976]
["ALL",2011,"liquidity_risk","Liquidity Risk",1,0.00488]
["ALL",2011,"market_risk","Market Risk",14,0.06829]
["ALL",2011,"operational_risk","Operational Risk",1,0.00488]
["ALL",2012,"capital_adequacy","Capital Adequacy",3,0.01277]
["ALL",2012,"compliance_risk","Compliance",61,0.25957]
["ALL",2012,"concentration_risk","Concentration Risk",19,0.08085]
["ALL",2012,"consumer_protection","Consumer Protection",11,0.04681]
["ALL",2012,"corporate_governance","Governance",7,0.02979]
["ALL",2012,"cre_risk","CRE Risk",5,0.02128]
["ALL",2012,"credit_risk","Credit Risk",59,0.25106]
["ALL",2012,"deposit_stability","Deposit Stability",31,0.13191]
["ALL",2012,"fintech_innovation","Fintech & Innovation",5,0.02128]
["ALL",2012,"interest_rate_risk","Interest-Rate Risk",6,0.02553]
["ALL",2012,"liquidity_risk","Liquidity Risk",1,0.00426]
["ALL",2012,"market_risk","Market Risk",9,0.0383]
["ALL",2012,"operational_risk","Operational Risk",4,0.01702]
["ALL",2012,"residential_mortgage","Residential Mortgage",2,0.00851]
["ALL",2012,"systemic_risk","Systemic Risk",12,0.05106]
["ALL",2013,"bsa_aml","BSA / AML",1,0.00559]
["ALL",2013,"capital_adequacy","Capital Adequacy",1,0.00559]
["ALL",2013,"compliance_risk","Compliance",45,0.2514]
["ALL",2013,"concentration_risk","Concentration Risk",9,0.05028]
["ALL",2013,"consumer_protection","Consumer Protection",16,0.08939]
["ALL",2013,"corporate_governance","Governance",15,0.0838]
["ALL",2013,"cre_risk","CRE Risk",7,0.03911]
["ALL",2013,"credit_risk","Credit Risk",26,0.14525]
["ALL",2013,"cyber_risk","Cyber Risk",1,0.00559]
["ALL",2013,"deposit_stability","Deposit Stability",16,0.08939]
["ALL",2013,"interest_rate_risk","Interest-Rate Risk",6,0.03352]
["ALL",2013,"market_risk","Market Risk",1,0.00559]
["ALL",2013,"operational_risk","Operational Risk",8,0.04469]
["ALL",2013,"systemic_risk","Systemic Risk",24,0.13408]
["ALL",2013,"third_party_risk","Third-Party Risk",3,0.01676]
["ALL",2014,"bsa_aml","BSA / AML",1,0.00329]
["ALL",2014,"capital_adequacy","Capital Adequacy",6,0.01974]
["ALL",2014,"compliance_risk","Compliance",82,0.26974]
["ALL",2014,"concentration_risk","Concentration Risk",13,0.04276]
["ALL",2014,"consumer_protection","Consumer Protection",19,0.0625]
["ALL",2014,"corporate_governance","Governance",14,0.04605]
["ALL",2014,"cre_risk","CRE Risk",4,0.01316]
["ALL",2014,"credit_risk","Credit Risk",78,0.25658]
["ALL",2014,"cyber_risk","Cyber Risk",2,0.00658]
["ALL",2014,"deposit_stability","Deposit Stability",20,0.06579]
["ALL",2014,"fintech_innovation","Fintech & Innovation",14,0.04605]
["ALL",2014,"interest_rate_risk","Interest-Rate Risk",11,0.03618]
["ALL",2014,"liquidity_risk","Liquidity Risk",1,0.00329]
["ALL",2014,"market_risk","Market Risk",6,0.01974]
["ALL",2014,"operational_risk","Operational Risk",4,0.01316]
["ALL",2014,"systemic_risk","Systemic Risk",20,0.06579]
["ALL",2014,"third_party_risk","Third-Party Risk",9,0.02961]
["ALL",2015,"bsa_aml","BSA / AML",2,0.00608]
["ALL",2015,"capital_adequacy","Capital Adequacy",8,0.02432]
["ALL",2015,"compliance_risk","Compliance",60,0.18237]
["ALL",2015,"concentration_risk","Concentration Risk",8,0.02432]
["ALL",2015,"consumer_protection","Consumer Protection",23,0.06991]
["ALL",2015,"corporate_governance","Governance",13,0.03951]
["ALL",2015,"cre_risk","CRE Risk",17,0.05167]
["ALL",2015,"credit_risk","Credit Risk",107,0.32523]
["ALL",2015,"cyber_risk","Cyber Risk",6,0.01824]
["ALL",2015,"deposit_stability","Deposit Stability",42,0.12766]
["ALL",2015,"fintech_innovation","Fintech & Innovation",5,0.0152]
["ALL",2015,"interest_rate_risk","Interest-Rate Risk",7,0.02128]
["ALL",2015,"liquidity_risk","Liquidity Risk",1,0.00304]
["ALL",2015,"market_risk","Market Risk",6,0.01824]
["ALL",2015,"operational_risk","Operational Risk",6,0.01824]
["ALL",2015,"systemic_risk","Systemic Risk",14,0.04255]
["ALL",2015,"third_party_risk","Third-Party Risk",4,0.01216]
["ALL",2016,"bsa_aml","BSA / AML",3,0.0098]
["ALL",2016,"capital_adequacy","Capital Adequacy",2,0.00654]
["ALL",2016,"compliance_risk","Compliance",47,0.15359]
["ALL",2016,"concentration_risk","Concentration Risk",2,0.00654]
["ALL",2016,"consumer_protection","Consumer Protection",32,0.10458]
["ALL",2016,"corporate_governance","Governance",22,0.0719]
["ALL",2016,"cre_risk","CRE Risk",7,0.02288]
["ALL",2016,"credit_risk","Credit Risk",100,0.3268]
["ALL",2016,"cyber_risk","Cyber Risk",7,0.02288]
["ALL",2016,"deposit_stability","Deposit Stability",34,0.11111]
["ALL",2016,"fintech_innovation","Fintech & Innovation",8,0.02614]
["ALL",2016,"interest_rate_risk","Interest-Rate Risk",1,0.00327]
["ALL",2016,"liquidity_risk","Liquidity Risk",2,0.00654]
["ALL",2016,"market_risk","Market Risk",1,0.00327]
["ALL",2016,"operational_risk","Operational Risk",7,0.02288]
["ALL",2016,"systemic_risk","Systemic Risk",28,0.0915]
["ALL",2016,"third_party_risk","Third-Party Risk",3,0.0098]
["ALL",2017,"bsa_aml","BSA / AML",1,0.00412]
["ALL",2017,"capital_adequacy","Capital Adequacy",4,0.01646]
["ALL",2017,"compliance_risk","Compliance",70,0.28807]
["ALL",2017,"concentration_risk","Concentration Risk",4,0.01646]
["ALL",2017,"consumer_protection","Consumer Protection",18,0.07407]
["ALL",2017,"corporate_governance","Governance",11,0.04527]
["ALL",2017,"cre_risk","CRE Risk",5,0.02058]
["ALL",2017,"credit_risk","Credit Risk",72,0.2963]
["ALL",2017,"cyber_risk","Cyber Risk",4,0.01646]
["ALL",2017,"deposit_stability","Deposit Stability",17,0.06996]
["ALL",2017,"fintech_innovation","Fintech & Innovation",11,0.04527]
["ALL",2017,"interest_rate_risk","Interest-Rate Risk",2,0.00823]
["ALL",2017,"liquidity_risk","Liquidity Risk",1,0.00412]
["ALL",2017,"market_risk","Market Risk",2,0.00823]
["ALL",2017,"operational_risk","Operational Risk",6,0.02469]
["ALL",2017,"systemic_risk","Systemic Risk",11,0.04527]
["ALL",2017,"third_party_risk","Third-Party Risk",4,0.01646]
["ALL",2018,"bsa_aml","BSA / AML",7,0.02555]
["ALL",2018,"capital_adequacy","Capital Adequacy",7,0.02555]
["ALL",2018,"compliance_risk","Compliance",43,0.15693]
["ALL",2018,"concentration_risk","Concentration Risk",4,0.0146]
["ALL",2018,"consumer_protection","Consumer Protection",33,0.12044]
["ALL",2018,"corporate_governance","Governance",22,0.08029]
["ALL",2018,"cre_risk","CRE Risk",4,0.0146]
["ALL",2018,"credit_risk","Credit Risk",41,0.14964]
["ALL",2018,"cyber_risk","Cyber Risk",4,0.0146]
["ALL",2018,"deposit_stability","Deposit Stability",28,0.10219]
["ALL",2018,"fintech_innovation","Fintech & Innovation",6,0.0219]
["ALL",2018,"interest_rate_risk","Interest-Rate Risk",10,0.0365]
["ALL",2018,"liquidity_risk","Liquidity Risk",5,0.01825]
["ALL",2018,"market_risk","Market Risk",14,0.05109]
["ALL",2018,"operational_risk","Operational Risk",7,0.02555]
["ALL",2018,"systemic_risk","Systemic Risk",36,0.13139]
["ALL",2018,"third_party_risk","Third-Party Risk",3,0.01095]
["ALL",2019,"bsa_aml","BSA / AML",3,0.01056]
["ALL",2019,"capital_adequacy","Capital Adequacy",15,0.05282]
["ALL",2019,"compliance_risk","Compliance",40,0.14085]
["ALL",2019,"concentration_risk","Concentration Risk",4,0.01408]
["ALL",2019,"consumer_protection","Consumer Protection",37,0.13028]
["ALL",2019,"corporate_governance","Governance",18,0.06338]
["ALL",2019,"cre_risk","CRE Risk",4,0.01408]
["ALL",2019,"credit_risk","Credit Risk",51,0.17958]
["ALL",2019,"cyber_risk","Cyber Risk",3,0.01056]
["ALL",2019,"deposit_stability","Deposit Stability",20,0.07042]
["ALL",2019,"fintech_innovation","Fintech & Innovation",12,0.04225]
["ALL",2019,"interest_rate_risk","Interest-Rate Risk",9,0.03169]
["ALL",2019,"liquidity_risk","Liquidity Risk",9,0.03169]
["ALL",2019,"market_risk","Market Risk",20,0.07042]
["ALL",2019,"operational_risk","Operational Risk",7,0.02465]
["ALL",2019,"systemic_risk","Systemic Risk",31,0.10915]
["ALL",2019,"third_party_risk","Third-Party Risk",1,0.00352]
["ALL",2020,"bsa_aml","BSA / AML",1,0.00262]
["ALL",2020,"capital_adequacy","Capital Adequacy",13,0.03412]
["ALL",2020,"climate_risk","Climate Risk",3,0.00787]
["ALL",2020,"compliance_risk","Compliance",48,0.12598]
["ALL",2020,"concentration_risk","Concentration Risk",1,0.00262]
["ALL",2020,"consumer_protection","Consumer Protection",60,0.15748]
["ALL",2020,"corporate_governance","Governance",10,0.02625]
["ALL",2020,"cre_risk","CRE Risk",3,0.00787]
["ALL",2020,"credit_risk","Credit Risk",58,0.15223]
["ALL",2020,"crypto_digital_assets","Crypto & Digital Assets",12,0.0315]
["ALL",2020,"cyber_risk","Cyber Risk",8,0.021]
["ALL",2020,"deposit_stability","Deposit Stability",24,0.06299]
["ALL",2020,"fintech_innovation","Fintech & Innovation",15,0.03937]
["ALL",2020,"interest_rate_risk","Interest-Rate Risk",8,0.021]
["ALL",2020,"liquidity_risk","Liquidity Risk",26,0.06824]
["ALL",2020,"market_risk","Market Risk",29,0.07612]
["ALL",2020,"operational_risk","Operational Risk",16,0.04199]
["ALL",2020,"systemic_risk","Systemic Risk",36,0.09449]
["ALL",2020,"third_party_risk","Third-Party Risk",10,0.02625]
["ALL",2021,"bsa_aml","BSA / AML",1,0.00225]
["ALL",2021,"capital_adequacy","Capital Adequacy",8,0.01798]
["ALL",2021,"climate_risk","Climate Risk",5,0.01124]
["ALL",2021,"compliance_risk","Compliance",82,0.18427]
["ALL",2021,"concentration_risk","Concentration Risk",9,0.02022]
["ALL",2021,"consumer_protection","Consumer Protection",62,0.13933]
["ALL",2021,"corporate_governance","Governance",13,0.02921]
["ALL",2021,"cre_risk","CRE Risk",8,0.01798]
["ALL",2021,"credit_risk","Credit Risk",58,0.13034]
["ALL",2021,"crypto_digital_assets","Crypto & Digital Assets",10,0.02247]
["ALL",2021,"cyber_risk","Cyber Risk",9,0.02022]
["ALL",2021,"deposit_stability","Deposit Stability",15,0.03371]
["ALL",2021,"fintech_innovation","Fintech & Innovation",11,0.02472]
["ALL",2021,"interest_rate_risk","Interest-Rate Risk",12,0.02697]
["ALL",2021,"liquidity_risk","Liquidity Risk",21,0.04719]
["ALL",2021,"market_risk","Market Risk",38,0.08539]
["ALL",2021,"operational_risk","Operational Risk",8,0.01798]
["ALL",2021,"residential_mortgage","Residential Mortgage",1,0.00225]
["ALL",2021,"systemic_risk","Systemic Risk",63,0.14157]
["ALL",2021,"third_party_risk","Third-Party Risk",11,0.02472]
["ALL",2022,"capital_adequacy","Capital Adequacy",5,0.0134]
["ALL",2022,"climate_risk","Climate Risk",9,0.02413]
["ALL",2022,"compliance_risk","Compliance",39,0.10456]
["ALL",2022,"concentration_risk","Concentration Risk",10,0.02681]
["ALL",2022,"consumer_protection","Consumer Protection",82,0.21984]
["ALL",2022,"corporate_governance","Governance",11,0.02949]
["ALL",2022,"cre_risk","CRE Risk",7,0.01877]
["ALL",2022,"credit_risk","Credit Risk",44,0.11796]
["ALL",2022,"crypto_digital_assets","Crypto & Digital Assets",10,0.02681]
["ALL",2022,"cyber_risk","Cyber Risk",6,0.01609]
["ALL",2022,"deposit_stability","Deposit Stability",20,0.05362]
["ALL",2022,"fintech_innovation","Fintech & Innovation",10,0.02681]
["ALL",2022,"interest_rate_risk","Interest-Rate Risk",7,0.01877]
["ALL",2022,"liquidity_risk","Liquidity Risk",23,0.06166]
["ALL",2022,"market_risk","Market Risk",40,0.10724]
["ALL",2022,"operational_risk","Operational Risk",8,0.02145]
["ALL",2022,"residential_mortgage","Residential Mortgage",1,0.00268]
["ALL",2022,"systemic_risk","Systemic Risk",37,0.0992]
["ALL",2022,"third_party_risk","Third-Party Risk",4,0.01072]
["ALL",2023,"bsa_aml","BSA / AML",1,0.0027]
["ALL",2023,"capital_adequacy","Capital Adequacy",4,0.01081]
["ALL",2023,"climate_risk","Climate Risk",5,0.01351]
["ALL",2023,"compliance_risk","Compliance",33,0.08919]
["ALL",2023,"concentration_risk","Concentration Risk",4,0.01081]
["ALL",2023,"consumer_protection","Consumer Protection",80,0.21622]
["ALL",2023,"corporate_governance","Governance",12,0.03243]
["ALL",2023,"cre_risk","CRE Risk",10,0.02703]
["ALL",2023,"credit_risk","Credit Risk",56,0.15135]
["ALL",2023,"crypto_digital_assets","Crypto & Digital Assets",2,0.00541]
["ALL",2023,"cyber_risk","Cyber Risk",5,0.01351]
["ALL",2023,"deposit_stability","Deposit Stability",30,0.08108]
["ALL",2023,"fintech_innovation","Fintech & Innovation",2,0.00541]
["ALL",2023,"interest_rate_risk","Interest-Rate Risk",12,0.03243]
["ALL",2023,"liquidity_risk","Liquidity Risk",33,0.08919]
["ALL",2023,"market_risk","Market Risk",25,0.06757]
["ALL",2023,"operational_risk","Operational Risk",1,0.0027]
["ALL",2023,"systemic_risk","Systemic Risk",48,0.12973]
["ALL",2023,"third_party_risk","Third-Party Risk",7,0.01892]
["ALL",2024,"bsa_aml","BSA / AML",2,0.00595]
["ALL",2024,"capital_adequacy","Capital Adequacy",3,0.00893]
["ALL",2024,"climate_risk","Climate Risk",3,0.00893]
["ALL",2024,"compliance_risk","Compliance",46,0.1369]
["ALL",2024,"consumer_protection","Consumer Protection",67,0.1994]
["ALL",2024,"corporate_governance","Governance",4,0.0119]
["ALL",2024,"cre_risk","CRE Risk",7,0.02083]
["ALL",2024,"credit_risk","Credit Risk",38,0.1131]
["ALL",2024,"crypto_digital_assets","Crypto & Digital Assets",5,0.01488]
["ALL",2024,"cyber_risk","Cyber Risk",8,0.02381]
["ALL",2024,"deposit_stability","Deposit Stability",13,0.03869]
["ALL",2024,"fintech_innovation","Fintech & Innovation",3,0.00893]
["ALL",2024,"interest_rate_risk","Interest-Rate Risk",14,0.04167]
["ALL",2024,"liquidity_risk","Liquidity Risk",19,0.05655]
["ALL",2024,"market_risk","Market Risk",29,0.08631]
["ALL",2024,"operational_risk","Operational Risk",3,0.00893]
["ALL",2024,"residential_mortgage","Residential Mortgage",4,0.0119]
["ALL",2024,"systemic_risk","Systemic Risk",63,0.1875]
["ALL",2024,"third_party_risk","Third-Party Risk",5,0.01488]
["ALL",2025,"bsa_aml","BSA / AML",2,0.00755]
["ALL",2025,"capital_adequacy","Capital Adequacy",4,0.01509]
["ALL",2025,"compliance_risk","Compliance",23,0.08679]
["ALL",2025,"concentration_risk","Concentration Risk",3,0.01132]
["ALL",2025,"consumer_protection","Consumer Protection",42,0.15849]
["ALL",2025,"corporate_governance","Governance",14,0.05283]
["ALL",2025,"cre_risk","CRE Risk",1,0.00377]
["ALL",2025,"credit_risk","Credit Risk",38,0.1434]
["ALL",2025,"crypto_digital_assets","Crypto & Digital Assets",4,0.01509]
["ALL",2025,"cyber_risk","Cyber Risk",3,0.01132]
["ALL",2025,"deposit_stability","Deposit Stability",28,0.10566]
["ALL",2025,"fintech_innovation","Fintech & Innovation",9,0.03396]
["ALL",2025,"interest_rate_risk","Interest-Rate Risk",7,0.02642]
["ALL",2025,"liquidity_risk","Liquidity Risk",23,0.08679]
["ALL",2025,"market_risk","Market Risk",25,0.09434]
["ALL",2025,"operational_risk","Operational Risk",4,0.01509]
["ALL",2025,"systemic_risk","Systemic Risk",34,0.1283]
["ALL",2025,"third_party_risk","Third-Party Risk",1,0.00377]