Specialty bank cohorts in our data

Ask Statum analyzes every US FDIC-insured bank — no exclusions. The institutions below are flagged informationally because their business models can produce ratios (NIM, cost of funds, deposit mix, efficiency) that don't compare cleanly to deposit-and-loan community banks. We surface them in rankings with a note when their values look anomalous for the metric (e.g., a trust company at the top of "lowest cost of funds" because it holds near-zero deposits).