{
  "archetype_id": "REGIONAL-BANK-CRE",
  "name_pattern": ["First", "Western", "Citizens", "Valley", "Heritage", "Community"],
  "suffix_pattern": ["Bank", "Bancorp", "Financial", "Trust"],
  "financial_profile": {
    "revenue_growth_range": [0.02, 0.08],
    "ebitda_margin_range": [0.25, 0.35],
    "debt_to_equity": "High",
    "beta": 1.1
  },
  "risk_factors": [
    "Commercial Real Estate Exposure",
    "Uninsured Deposit Flight",
    "Interest Rate Risk (HTM Securities)"
  ],
  "default_scenarios": [
    "Office Vacancy 25%",
    "Deposit Run",
    "Fed Higher-for-Longer"
  ]
}