Diagnose
Enter exam findings, re-score under the new standard, and produce a defensible report with a printable evidence-file PDF.
CAMELS / LFI re-rating · material financial risk standard
Turn a governance downgrade into restored standing.
Recalibrate re-scores a bank’s supervisory rating under the 2025–26 material-financial-risk standard — separating genuine financial risk from process and documentation findings — then hands you the evidence file and appeal workflow to make the case.
Decision-support for the regulated banking community. Not legal or regulatory advice.
Built around the frameworks of
OCC · National banksFRB · Holding companiesFDIC · State non-memberFFIEC · Uniform standards
The platform
Three modules, one supervisory narrative
From re-scoring an exam to filing the appeal to watching the trend — the full path from downgrade to restored well-managed status.
Recover
Build appeal cases, attach the financial-risk rationale per finding, manage remediation tasks, and export a clean appeal packet.
Monitor
Continuous shadow-rating with scheduled re-scores, trend dashboards, and alerts when a component drifts toward at-risk.
Start from real data
Type a bank. See a re-rating in seconds.
Pull any institution’s real public profile straight from the FDIC — assets, regulator, and the headline call-report ratios — and Recalibrate suggests starting component conditions instantly. No spreadsheet, no setup.
- ✓ Real capital, asset-quality, earnings, and liquidity ratios from the latest call report
- ✓ Suggested C/A/E/L/S conditions you review and adjust
- ✓ Findings and ratings stay illustrative — never confidential supervisory information
How it works
From findings to a filed appeal
Re-score the exam
Load component conditions and findings. The engine re-rates each CAMELS component under the material-financial-risk standard and recomputes the composite.
Separate the noise
Process and documentation findings are flagged discountable, distinct from genuine financial risk — with the rationale captured for every one.
Make the case
Export the evidence file, open an appeal, and track the path back to well-managed — with continuous shadow-rating watching the trend.
See a real re-rating, live.
Open the demo and re-score a seeded engagement — or type any bank and watch it populate from public regulatory data.
Open the demo