Insights
Articles
Short, practical notes on the work: methods, mistakes, and the occasional opinion.
August 14, 2026 · David Rose
Sentiment composite settles just under 30 as the recovery levels off
The August reading puts The U.S. Sentiment Signal at 29 out of 100. The climb off the May low has flattened, with steady labor data underneath, depressed survey readings on top, and a third small monthly gain in congressional approval.
Read article →July 21, 2026 · David Rose
Sentiment composite rises to 28 as household sentiment comes off its low
The July reading puts The U.S. Sentiment Signal at 28 out of 100, the second consecutive monthly increase. Consumer sentiment drove the move. Government Trust and Social Confidence remain near the bottom of their ranges.
Read article →July 7, 2026 · David Rose
Static models leave out the one input you control
Most organizations manage on models that assume behavior holds still, which leaves their own actions out of the math. The better method is understood and the data usually exists. What keeps the static version in place is who owns the number, and on what clock.
Read article →June 25, 2026 · David Rose
What a customer is worth, and what they will be worth
A customer is worth two numbers, what they contribute today and what the relationship will be worth over the next several years. Managing the second number, both where to invest and where to stop, is where the value is.
Read article →June 10, 2026 · David Rose
The method behind our public tools
All three of Triente's public tools come from one repeatable method built on public data and a small amount of AI. The U.S. Sentiment Signal is the clearest proof, because it leaves banking entirely.
Read article →June 6, 2026 · David Rose
Sentiment composite holds at 25 as Economic Health falls into the red
The June reading holds The U.S. Sentiment Signal at 25 out of 100. Economic Health, the one category that had held a yellow standing, drops into off-track territory, leaving all three blocks red.
Read article →May 29, 2026 · David Rose
Introducing the U.S. Banking Industry Simulator
A free interactive simulator for three FDIC-calibrated banking scenarios (credit-stress cascades, net interest margin compression, and long-run industry consolidation) that makes the system-level feedback loops visible.
Read article →May 22, 2026 · David Rose
Introducing the U.S. Banking Industry Data Explorer
A free interactive view of FDIC call report data covering every active U.S. bank, with industry trends, bank-level profiles, peer comparisons, and branch-network demographics on one site.
Read article →May 4, 2026 · David Rose
How the U.S. Sentiment Signal is built
The U.S. Sentiment Signal scores national well-being from ten federal series and national surveys, against twenty years of history. This is how the composite is built and what each category measures.
Read article →May 3, 2026 · David Rose
Why we built Triente
A short note on what the firm is for, how we work, and why we kept it small on purpose.
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