Every transaction captured
MetrikData reads each line on the statement — date, description, and amount — across every account and month you upload, so nothing has to be keyed in by hand.
Bank statement analysis
Turn raw bank statements into an underwriting picture
MetrikData reads a merchant’s bank-statement PDFs and rebuilds the full money story: every transaction, the daily balance, deposit volume, true external revenue, NSF activity, and negative-balance days. Every number links back to the transactions behind it, so nothing is a black box.
- Every transaction and daily balance extracted
- True external revenue, not just gross deposits
- NSF activity and negative-balance days surfaced
- Every metric traces back to source transactions
The problem
Why reading statements by hand slows underwriting down
A merchant might hand over three accounts and ninety days of statements — hundreds of lines per month, sometimes as scanned images rather than clean text. Working through that by hand is slow, and it’s where mistakes creep in. It’s easy to read gross deposits as revenue, miss a cluster of NSF charges buried in the debits, or overlook the days an account ran negative. Each of those misreads changes how a deal actually looks.
MetrikData does the reading for you. It captures every transaction and reconstructs the daily balance, then computes the metrics underwriters actually weigh — deposit volume, true external revenue, NSF activity, and negative-balance days. Because every figure links back to the transactions that produced it, you can verify the math instead of trusting it. MetrikData surfaces the picture; the decision stays with you.
What gets extracted
What MetrikData pulls from a statement
Every metric is computed from the raw transactions, and every metric links back to them — so you can confirm the numbers before they inform your decision.
Daily balance reconstructed
The running daily balance is rebuilt from the transaction history, giving you a day-by-day view of how the account moved rather than just the opening and closing figures.
Deposit volume
Total deposits are tallied by account and by month, so you can see how much money flowed in and how steady that inflow was over the statement period.
True external revenue
Transfers between the merchant’s own accounts, returned items, loan and advance fundings, and other non-revenue credits are separated out — leaving the real money in from customers, not an inflated gross figure.
NSF & negative-balance days
Insufficient-funds activity and the days an account dipped below zero are surfaced and counted, so cash-flow stress shows up plainly instead of hiding in the debits.
Every major US bank & scanned PDFs
Statements from Chase, Bank of America, Wells Fargo, Citi, US Bank, PNC, Truist, Capital One, TD Bank, and regional and community banks are supported — text-based or scanned image PDFs read via OCR.
In practice
From upload to a reviewable analysis
Upload the statements
Drop in the merchant’s bank-statement PDFs — text-based or scanned. MetrikData reads every transaction and daily balance, across all the accounts and months you provide.
Review the extracted analysis
See deposit volume, true external revenue, NSF activity, and negative-balance days laid out clearly. Click any metric to drill into the exact transactions behind it.
Correct anything, then export
Parsed data is fully editable. Fix anything that looks off and re-run — every metric recomputes. Export a PDF report or CSV of the raw and tagged transactions when you’re done.
FAQ
Common questions
Which banks are supported?
MetrikData reads PDF bank statements from every major US bank — including Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC, Truist, Capital One, and TD Bank — plus regional and community banks. Text-based PDFs parse most accurately, and scanned image PDFs are read via OCR.
Can it read scanned statements?
Yes. Text-based PDFs give the cleanest extraction, but scanned or image-based statements are read via OCR so deposits, balances, and transactions can still be reconstructed. You can review the parsed data before relying on any metric.
Gross deposits vs external revenue — what’s the difference?
Gross deposits are every credit that hit the account, including transfers between the merchant's own accounts, returned items, and loan or advance fundings. True external revenue strips those out to leave the real money in from customers, so you don't overstate how much a merchant actually earns.
Can I export the data?
Yes. Export a clean PDF report for the file, or export the raw and tagged transactions as CSV to feed your own model or spreadsheet. Every exported figure ties back to the transactions it was computed from.
Keep exploring
Related
See the real numbers in a merchant’s statements
Start free — your first 4 statement analyses are on us. No credit card required.