Give your client a read on the target's digital front door, before anyone finds the gaps the hard way.
The M&A Signal Report runs our 45-signal Borrower Friction Index against the bank or credit union your client is evaluating, ranks every finding by severity, and includes a live session where we walk your broker team through the results and take questions. Built on the same methodology behind our research of 111 Texas banks and credit unions.
Financials get audited. The digital front door doesn't.
Every deal runs the loan portfolio, the deposit base, and the regulatory history through rigorous review. Almost nobody checks what a borrower or member actually experiences trying to open an account or apply for a loan online, today, at the institution being acquired. That gap does not disappear at close. It becomes your client's problem on day one.
Slower conversion than modeled
If the target's online application is quietly losing qualified applicants today, that friction is now baked into your client's post-close numbers.
Compliance gaps found after signing
Missing disclosures, absent NMLS IDs, and other compliance signals are visible on the public website right now, before anyone has to file an exam finding.
Fraud exposure already visible
Weak identity verification, exposed contact paths, and other fraud-adjacent signals are observable from the outside and easy to miss in traditional diligence.
The same diagnostic already run against 111 Texas banks and credit unions.
The Borrower Friction Index scores a bank or credit union's public digital lending and account-opening presence across 45 signals, built entirely from what a borrower, member, or fraudster can already see. We have scored 111 Texas institutions between $1B and $10B in assets with this exact methodology. The M&A Signal Report applies the same rigor to a single acquisition target, on your timeline.
86% of every signal checked came back as friction, not a pass.
73% of institutions, 81 of 111, passed nothing at all: no functioning call to action, no published rates, no compliance disclosure. If your target hasn't been checked yet, the base rate says assume it's one of the 81.
Banks perform significantly worse than credit unions.
Average friction score: 31.5 for banks vs. 17.2 for credit unions. Brokering a bank acquisition specifically? Budget extra diligence time here, not just an average expectation.
Everything in your M&A Signal Report
From reservation to debrief
Reserve your spot
Tell us the name of the institution being acquired at checkout. That's the only information we need to start.
We run the diagnostic
All 45 signals, scored from publicly available information only. No login, no access, and no contact with the target institution.
You get the report
Delivered within your chosen window, ranked by severity and ready to bring into your deal materials.
We walk your team through it live
A scheduled video session, capped at 3 attendees, where we cover every finding and answer questions.
The M&A Signal Report
- Full 45-signal Borrower Friction Index diagnostic on the target institution
- Every finding ranked by severity across all 4 BFI domains
- 30-minute live video session, capped at 3 attendees
- No access needed from the target institution or your client
Both add-ons count toward the same monthly delivery cap as the base report. Adding one never costs you a second spot.
Before you reserve a spot
Will the target institution know we're doing this?
No. Everything is built from what's publicly visible: their website, application paths, and social channels. There is no contact with the target institution, no login, and no account created anywhere.
Do you need access to the target's internal systems?
No. The Signal Report is built entirely from public signals, the same approach behind every Signal Report we deliver. No IT ticket, no sandbox, and nothing required from your client or the target.
Can you sign our NDA?
Yes. Since the deliverable only draws on publicly available information, signing an NDA around the engagement itself is straightforward. Email [email protected] after reserving your spot and we'll get it signed before work starts.
Is this specific to Texas institutions?
No. The methodology was built and validated against 111 Texas banks and credit unions, but it applies to any regional bank or credit union with a public digital lending or account-opening presence, anywhere.
What if the deal changes or falls through after we order?
Email us as soon as you know. If work hasn't started yet, we can redirect the report to a different target within the same month at no charge. Once the diagnostic is underway, our standard delivery guarantee applies.
Who can join the live session?
Up to 3 people from your broker team. We keep it capped so the session stays focused and interactive rather than a big crowd.
Why only 8 per month?
Every report is built on a standardized process, then reviewed institution by institution before it goes out. Capping delivery at 8 a month, including any with the video walkthrough add-on, is what keeps that review sharp instead of rushed.
Reserve your M&A Signal Report
$3,500 fixed fee. 14-day standard delivery, 7-day rush available. Limited to 8 delivered per month.
Reserve Your SpotQuestions first? Email [email protected].