Supervisory Friction Score
82.4
Composite index of hesitation & consensus drag
Culture Contribution Pct
74.5%
Proportion of delay driven by examiner aversion
Action Delay Classification
High Friction / Delayed Escalation
MRAs and MRIAs held in review cycles
Intervention Window
19 Days Prior to Failure
Estimated viable window before run acceleration
Supervisory Escalation Network (D3 Dynamics)
Elevated Drag
Regulatory Friction Bottleneck
Federal Reserve Supervision
Bank Institution Entity
Red pulsing channels indicate transmission channels where examiner risk aversion delayed Formal Written Agreements and MRA (Matter Requiring Attention) issuance during SVB's 2022-2023 rapid deposit growth.
Supervisory Stage Delay Audit Breakdown
| Supervisory Finding Stage | Standard Timeline | Observed Escalation | Aversion Penalty | Escalation State |
|---|