e-Statement Studies

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Leading the industry in comparative customer data

See a demo of the features of RMA eStatement Studies? View our Tutorial

Five reasons why your business needs e-Statement Studies

  • Make more informed decisions in less time. 
  • Show clients that you understand their business better than your competitors do.
  • Evaluate your clients’ strengths and weaknesses more accurately.
  • Identify more and better qualified prospects.
  • Perform immediate benchmarking with the simple-to-use format.

How does e-Statement Studies help you achieve all that?

  • More up-to-date information. Our industry averages and financial ratios are updated annually.
  • More reliable information. Our data comes directly from the financial statements of RMA member banks’ clients.
  • More consistent information. We have been providing the same consistent data for more than 100 years! This means you can accurately compare your customers to the industry standard year after year.
  • More value. Get 22-years of data on a feature-rich platform.

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e-Statement Studies features Financial Ratio Benchmarks and Industry Default Probabilities and Cash Flow Measures

Financial Ratio Benchmarks

Given to us from RMA member institutions, our financial risk ratio benchmarks are derived from the financial statements of more than 240,000 small and medium sized borrowers.

Financial Ratio Benchmarks includes:

  • Nineteen classic financial statement ratios, clearly defined.
  • Common-size, balance sheet and income statement line items, arrayed by asset and sales size. Six different asset and sales size categories are presented to ensure a perfect match to your situation.
  • Unique information. No other information provider has data sources like ours.
  • More than 732 industries are presented using the 2017 North American Industry Classification System (NAICS) codes.
  • Data available for 22-years. You’ll get the most up-to-date information industry averages and financial ratios for the current period, and you’ll be able to quickly compare it to past periods.

Industry Default Probabilities and Cash Flow Measures
* Only available in eStatement Studies

Which industries and types of companies are most vulnerable in today’s environment? Industry Default Probabilities and Cash Flow Measures allows you to see not only which industries are the most susceptible, but also to what degree.

A simple-to-understand number is calculated for each industry and across an array of various-sized companies that represent the industry’s default profile. Also included is an assessment of the cash flow characteristics of each industry. These benchmarks add substantial value to the critical analysis of cash flow for private companies, allowing you to make better credit decisions.

Industry Default Probabilities and Cash Flow Measures includes:

  • Cash flow measures on a common-size percentage scale.  
  • Change in position, normalized, year over year, for eight financial statement line items.
  • Sustainable Growth Rate and Funded Debt/EBITDA ratios.
  • Trend data available for the past five years.

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e-Statement Studies provides countless benefits for quick, convenient access:

  • Export data into an Excel® spreadsheet with a click of your mouse. The Excel download includes a client comparison worksheet allowing you to enter and calculate your client’s financial statements, and easily compare side-by-side to the industry standards.
  • eStatement Studies includes a license to incorporate Statement Studies data into your client reports—a $139 savings!
  • The information you need is delivered to your desktop via the Web, 24/7. No more office clutter; no more searching for the hard copy of Financial Ratio Benchmarks or Industry Default Probabilities and Cash Flow Measures. This important decision-making tool is as close as your keyboard.
  • The query function allows you to find what you need more quickly and easily than ever before. In a matter of seconds, you can mine the database of 240,000 financial statements for each of the 22-years of data for profiles that fit your needs.
  • Sector Reports -  two-, three-, four-, and five-digit reporting based on the 2017 NAICS codes. This gives you access to more than 2,000 industry benchmarking reports to enhance your analysis.
  • NEW!!! Added with the most recent update, 2020-21 eStatement Studies includes access to EBITDA Income Statement Line Item, and EBITDA/Sales Ratio.

As an added benefit, not available in the printed version, e-Statement Studies even enables you to break out the data by region:

eStatement Studies Map

e-Statement Studies includes regional data as follows:

Region 1 – Connecticut, Delaware, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont

Region 2 – Alabama, Florida, Georgia, Maryland, North Carolina, Puerto Rico, South Carolina, Tennessee*, Virginia, Washington, D.C., West Virginia

Region 3 – Illinois, Indiana, Kentucky, Michigan*, Missouri*, Ohio

Region 4 – Arkansas, Louisiana, Mississippi, Oklahoma, Tennessee*, Texas

Region 5 – Iowa, Kansas*, Michigan*, Minnesota, Missouri*, Nebraska*, North Dakota, South Dakota, Wisconsin

Region 6 – Alaska, Arizona, California, Colorado, Hawaii, Idaho, Kansas*, Montana, Nebraska*, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming

*State spans two regions

2020-2021 e-Statement Studies Pricing, Product #631101

For first-time purchases, the full fee is due and payable upon placing your 12-month subscription. Login instructions will be delivered within one business day once payment has posted.  Renewal invoice will be sent 3-months prior to expiration.  Non-payment will result in deactivation of the account until paid in full.  Cancellation request should be made by phone, or by email

For subscriptions with more than one user, an administrator will have authorization to manage users on the account.  Administrators will receive Administrator Instructions once order is processed and paid in full.  Administrators are NOT required for subscriptions with one user.

Users, 1
RMA Members: $375      
Professional Members:  $565

Nonmembers: $665  

Users, 2–5
RMA Members: $535 total
Professional Members:  $750 total

Nonmembers: $870 total

Users, 6–10
RMA Members: $800 total

Professional Members:  $1,035 total      
Nonmembers: $1,175 total

Users, 11–20
RMA Members: $1,210 total

Professional Members:  $1,455 total
Nonmembers: $1,650 total

Users, 21–40
RMA Members: $1,790 total

Professional Members:  $2,180 total   
Nonmembers: $2,480 total

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For pricing for 41 or more users please contact us at studies@rmahq.org.

Colleges and Universities

eStatement Studies is available as a university-wide subscription. Please see our eStatement Studies for Universities page for more details, or email studies@rmahq.org.

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