Banking Dynamic & Granular Finanical Model 2026 (All Bank Types)

Banking Finanical Model Overview

Note: You can request a Custom Revision of model as well and we will do the needful.

Highlights:

• Fully dynamic 5-year banking financial model where users only need to update blue-highlighted input cells to automatically refresh the entire model.

• Granular revenue framework covering both interest income and non-interest income across multiple banking products and services.

• Capital ratios module including Tier 1 and Tier 2 ratios, integrated with growth and balance sheet movements.

• Built-in summary dashboard providing a clear, high-level view of key financials, trends, and performance indicators.

Sheets:

1. Index
2. Dashboard – Contatining Overall Summary
3. I_Inv+Direct+Opex Assumptions – If Required user can update FHLB advance Requirment Here, Also inlcudes Start-up expenditure, Assets, Technological Infra, and Contigency & Cash Buffer Reqruiemnt out of total investment. General Assm like Inflation, Salary Increment, expesnes asump for Direct and Opex, Types of Staff Required.
4. I_FHLB Advance + Stock – If FHLB amt entrered in previous sheet this sheet will auto update.
5. I_Revenue Model_LoanToCustomers – Residential Mortgages
   Commercial Real Estate Loans
   Small Business Loans (SBA and non-SBA)
   SBA
   Non SBA
   Personal Loans
   Construction Loans
   Multi-Family
6. I_Deposits – User Deposits , this will influence cost of funding.
7. I_Investment_Income – T-Bill, MBS, Etc
8. Non-Interest Income – Account Maintenance Fees, Overdraft & NSF Fees, Loan Origination Fees, Money Transaction & Tr., Inter Bank Tr., Intra Bank Transfer, etc.
9. O+I_Qtr Ratios – Profitability Ratios + Capital Ratios
10. O_Qtr CFS – Cash Flow Statement
11. O_Qtr PL – Profit & Loss Account as per US GAAP.
12. O_Qtr BS – Balance Sheet with annual view
13. I+O_Valuation – On-Demand
14. Loan Ammortization Sheets