Modern Data, AI & Compliance Infrastructure for Community Banking Networks
DaasLabs helps bankers' banks and community banks modernize CECL, payments, regulatory reporting, analytics, and operational intelligence without replacing existing core systems.
Proven in production with Pacific Coast Bankers' Bank, supporting CECL, CBC, analytics, and banking application modernization for 100+ community banks.
What every community bank in your network is dealing with right now
You know your member banks better than anyone. These are the data and compliance challenges sitting on their desks and on yours.
CECL still runs on Excel
Most community banks calculate lifetime credit losses on spreadsheets no audit trail, no versioning, one formula error away from a regulatory finding.
Compliance riskNo real-time visibility
Leadership waits days for weekly reports. By the time a credit risk signal surfaces, it's already a problem not an early warning.
Operational riskData locked in silos
Core banking, loan origination, CRM, and GL are all disconnected. Answering "What's our true commercial real estate exposure?" takes a week of manual work.
Data qualityCan't afford a data team
Community banks don't have data engineers or data scientists. They rely on their bankers' bank to fill that gap and most bankers' banks don't yet offer it.
Capability gapRegulators want more
CECL, CCAR, SOX, BSA/AML, ISO 20022 examiners are asking harder questions about model assumptions, data lineage, and governance.
Regulatory pressureFalling behind larger banks
Big banks have invested billions in data and AI. Community banks compete for the same customers without the same tools, speed, or analytical insight.
Competitive threatYou already serve these banks.
Now give them data intelligence too.
DAAS LABS lets you offer every member bank a governed, AI-powered data platform deployed once, scaled across your entire network. No new hires for them. No new infrastructure for you.
What DAAS LABS delivers for bankers' banks and their members
A no-code data platform that makes information trustworthy, discoverable, and actionable for every person in the bank, not just analysts.
CECL & Compliance Engine
Multi-methodology CECL (WARM, DCF, Vintage, Avg. Charge-Off) with full audit trails, Q-Factor adjustments, and regulator-ready documentation deployed for 100+ banks via PCBB.
Proven in production at PCBBISO 20022 Wire Transfer
End-to-end ISO 20022 wire transfer modernisation multi-channel initiation, OFAC screening, Fedwire integration, and full audit trail. Already live at PCBB ahead of deadline.
Live at PCBB, Fedwire compliantData Control Tower
Real-time KPI monitoring with alerts routed to the right owner. Executives stop waiting for reports they see exceptions, assign ownership, and track resolution in one place.
70%+ adoption rate achievedData Governance & Lineage
Full record-to-report lineage satisfies regulators. Unified data quality framework, critical data element tracking, and authoritative data stores all in one governed layer.
Regulator-approved documentationConversational Analytics (NLQ)
Any banker asks plain-English questions "What's our 90-day past-due exposure by loan type?" and gets an instant answer. No SQL. No waiting for IT.
No-code, zero training requiredMulti-Bank Deployment
One deployment by your bankers' bank serves your entire member network. Each community bank gets its own governed environment standardised, scalable, centrally managed.
Scales to 100+ member banksThe shift DAAS LABS creates
From manual, siloed, and reactive to governed, connected, and in control.
Already proven at PCBB
Pacific Coast Bankers' Bank is our reference client two major platforms delivered, both ahead of regulatory deadlines.
CECL compliance for 100+ community banks — one platform, ahead of deadline
PCBB partnered with DAAS LABS to build a CECL calculation platform that now serves over 100 community banks with full audit trails, multi-methodology support (WARM, DCF, Vintage, Avg. Charge-Off, Closed Pool), Q-Factor adjustments, forward-looking overlays, C2P lifecycle handling, and regulator-approved documentation. Live ahead of the regulatory deadline.
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ISO 20022 wire transfer modernisation — Fedwire compliant, ahead of mandate
PCBB needed a future proof wire transfer system compliant with ISO 20022 global messaging standards and integrated with the Federal Reserve's Fedwire Funds Service. DAAS LABS delivered an end to end system covering multi channel initiation, OFAC screening, batch processing, and full audit trails.
Download Full Case Study →
Everything your member banks need, in one platform
Explore what DAAS LABS covers for community banks from day one of deployment.
Book a discovery call
No pitch deck. No pressure. 30 minutes to map DAAS LABS to your member banks' specific pain points.