Perlucem.aiHow is my bank performing? Give me an overview of our latest TBPI assessment.Perlucem.aiCompare our efficiency ratio and return on assets to our peer group.Perlucem.aiWhat's driving our Cost & Efficiency score, and what should we focus on to improve it?

Perlucem helps community bank executives understand their institution's performance in plain language. It provides bank-scoped access to regulatory-filing data, quarterly metric trends, peer comparisons, five-pillar TBPI scores, grounded analytical explanations, report content, data provenance, and secure data uploads. TBPI covers Revenue, Cost & Efficiency, Risk, Capital, and Operations on a 1–5 scale, with results grounded in deterministic analysis of FFIEC Call Report and UBPR data. Access requires a Perlucem account and is restricted to institutions assigned to the authenticated user.

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