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The FDIC never releases its ratings on the safety and soundness of banks and thrift
institutions to the public.
However, there are private companies that provide their own ratings
of these institutions.
As a service to consumers, the staff of the FDIC Library has compiled a
listing of several financial institution rating services.
Disclaimer: This list should not be construed as an endorsement or confirmation
by the FDIC of information provided by these companies.
Services
The bank rating services listed alphabetically below offer a variety of online,
web-based, paper and CD-ROM based services that cover banks, bank holding
companies, savings and loans and savings banks.
- These services usually assign each institution a letter grade or numerical
ranking which is meant to indicate the safety or soundness of the institution.
- These rankings are determined through the use of proprietary formulas that are applied to data
collected by the bank and thrift regulatory agencies. These formulas vary from service
to service.
- Most of the formulas use data based upon some variation of CAMEL
factors - Capital, Assets, Management, Earnings, and Liquidity. Subjective criteria are not
considered.
Most of the rating services offer subscriptions to specific print and online
publications. Several offer ratings over the telephone.
Please contact the companies listed to obtain further information about the full
range of services and products offered.
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BauerFinancial, Inc.
Website:
http://www.bauerfinancial.com/
P.O. Box 143520
Penthouse 1-A, Gables International Plaza
2655 LeJeune Road
Coral Gables, Florida 33134
Phone: (800) 388-6686
Fax: (800) 230-9569
e-mail:
customerservice@bauerfinancial.com |
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Product: |
Ratings by phone: Two bank and/or credit union ratings
per caller are provided at no charge, or
CD Rates by phone: Two of the nation’s top consumer CD rates, as surveyed by BauerFinancial
each Wednesday, will be provided to each caller at no charge. |
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Institutions
rated: |
All federally-insured banks, thrifts and credit unions |
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Rating
method: |
Ratings are based on a 5-star scale (5-stars being the highest and 0-stars the
lowest) |
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Other
contents: |
- One page summary report on a specific institution ($20)
- Six page analytical report on a specific institution ($35)
- Statewide Bank & Thrift Report ($50) – Star ratings and financial
highlights for all banks and thrifts operating in any given state
- Troubled and Problematic Bank & Thrift Report ($75) –
All U.S. banks and thrifts rated 2-stars or below by BauerFinancial
- Recommended Bank & Thrift Report ($40 per Region) –
All U.S. banks and thrifts rated 5-stars or 4-stars by BauerFinancial
- Jumbo Rate News – Weekly Newsletter tracking the national Jumbo CD
market (available: weekly, bi-weekly, monthly, and on request) – Visit website
or call for prices.
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Creative Investment Research, Inc.
Website:
http://www.creativeinvest.com/
P.O. Box 55793
Washington, DC 20040-5793
Phone: (866) 867-3795
Fax: (866) 867-3795
e-mail: info@creativeinvest.com
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Product: |
Minority Bank Monitor. Comprehensive data on
women and minority-owned financial institutions. By Group: Asian, African-American, Hispanic,
Native American, Women. Financial Information: Assets, Net Income, Total Loans, Real Estate
Loans, C&I; Loans, Return on Assets. Maps showing institution location. Total population in
county. Minority population in county. County Income per capita. Number of banks and thrifts
in county. Institution-level data for each bank and thrift. Management Information: President,
Cashier, Operations Officer, Community Reinvestment Act data: CRA Rating, CRA Rating Date and
other data. In all, over 300 pages. Report on all Women and Minority owned banks, savings banks
& thrifts in the United States. $995.00
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Institutions
rated: |
Banks and thrifts owned by women and minorities. |
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Rating
method: |
Fully adjusted return. Methodology combining financial and social data. Ratings are based on
a 300-point scale (300-points being the highest and 0-points the lowest) |
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Other
contents: |
- Minority Financial Institutions. Brokerage firms, banks, thrifts, community
development financial institutions, money management firms, venture capital firms, insurance
companies, mutual fund companies, and mortgage banking firms owned by minorities and women.
Comprehensive data by Group: Asian, African-American, Hispanic, Native American, Women.
Institution-level data. Management Information - President, Cashier, Operations Officer
and other data. $ 2,500.00
- Minority Business Financing. Strategies for financing a woman or minority
business. $1,250.00.
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IDC Financial Publishing
Website:
http://www.idcfp.com
P.O. Box 140
700 Walnut Ridge Drive
Suite 201
Hartland, Wisconsin, 53029
Phone: (800) 525-5457
Fax: (262) 367-6497
email: idcfp@execpc.com
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Product: |
Bank Financial Quarterly |
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Frequency
& cost: |
Updated quarterly ($475) |
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Institutions
rated: |
All FDIC-insured
commercial banks and U.S. bank holding companies |
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Rating
method: |
Rates institutions on a scale of 300
(best) to 1, based on financial statistics, CAMEL factors, and ratios. |
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Other
contents: |
IDC calculates over 35 key financial
ratios and provides a one number summary rating. Reports also include one line summaries of
financial statistics and ratios for each institution; peer group distributions; special lists
including banks and bank holding companies (BHCs) with high loan delinquency by type, largest
lower ranked BHCs, largest higher ranked BHCs, banks and BHCs with large investment portfolios,
and banks and BHCs with large non-interest income. |
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Product: |
S&L; - Savings Bank Financial
Quarterly |
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Frequency
& cost: |
Updated quarterly ($475)
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Institutions
rated: |
Thrifts reporting to the
Office of Thrift Supervision and savings banks reporting to the FDIC |
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Rating
method: |
See above |
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Other
contents: |
One line summary of
financial statistics and ratios for each institution; peer group distributions; state totals;
special lists of institutions with delinquent loans and nonperforming assets.
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LACE Financial Corp.
Website:
http://www.lacefinancial.com/
118 North Court Street
Frederick, Maryland, 21701
Phone: (301) 662-1011
Fax: (301) 662-1458 |
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Product: |
Quarterly Financial Institutions Rating Service (QFIRS) |
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Frequency
& cost: |
Updated
quarterly ($458.95) |
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Institutions
rated: |
Commercial and
state-chartered savings banks, savings and loans, credit unions, and the 100 largest
bank holding companies in the U.S. (approximately 18,000 institutions). |
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Rating
method: |
Institutions are assigned ratings
from A+ (best) to E, based on ratios representing liquidity, asset quality, capital, and
earnings. |
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Other
contents: |
- U.S. Corporate Bank Ratings (All regulated Banks and Savings Banks in one volume)
- LACE International Bank Ratings
- LACE Savings & Loan Ratings
- Bank Holding Company Ratings
- Credit Unions (All CU’s on CD. 2,500 Largest in print version)
- Bank Alert Service – E-mail Releases and Bank Customer Letter.
- Watch List (banks with relatively poor financial conditions)
- New Issue Ratings for Securities
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Sheshunoff Information Services
Website:
http://www.sheshunoff.com/
807 Las Cimas, Suite 300
Austin, Texas 78746
Phone: (800) 456-2340
Fax: (512) 305-6575
A division of Thomson Media |
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Product: |
The Bank and Savings and Loan
Quarterly |
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Frequency
& cost: |
Updated
quarterly ($580/year) |
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Institutions
rated: |
All FDIC-insured
commercial banks, savings banks and savings & loans |
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Rating
method: |
Rates banks on a scale
of 99 (best) to 0. Ratings are based on financial statistics and comparisons to peer
institutions. |
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Other
contents: |
Summary for each bank and thrift showing loan exposure in construction,
commercial real estate, consumer, and agricultural loans; financial
ratios; percentile rankings on key ratios comparing each bank to peer
institutions; national and state averages; state and regional trends and
maps; lists of largest banks by category. |
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Other
products: |
- Online Bank Rating Report ($40/quarter,$135/yr) Detailed report for a single
institution displaying all factors affecting the institutions rating.
- Banking Organization Quarterly ($195/quarter,$529/yr) Organizational Rating
and individual ratings for each institution in an organization for the entire industry.
- Bank or S&L; Report ($135/quarter,$455/yr) Detailed performance information
and peer group comparisons on one institution.
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Veribanc
Website:
http://www.veribanc.com
P.O. Box 1610
One Social Street
Woonsocket, Rhode Island 02895
Phone: (800) 837-4226
email: service@veribanc.com
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Product: |
Plain English
Reports - since 1981. Instant Ratings by phone, ($10 for the first rating, $5 for each
additional one) followed up with written confirmation. No bank pays us ("Sponsored Bank")
to rate them. |
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Institutions
rated: |
All U.S. Federally
Insured Banks, Savings Banks, Savings and Loans, and Credit Unions |
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Frequency
& cost: |
Ratings are updated
MONTHLY (No additional charge). |
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Rating
method: |
Ratings consist of a
green, yellow, or red code and three (high) to zero stars. Blue Ribbon (Oldest National
Accolade Presented to Banks) represents a special commendation for excellence. Ratings are
based on ACTUARIAL STUDIES of 100s of bank failures - NOT peer group comparisons. Please
visit our web site for both our METHODOLOGY and TRACK RECORD. |
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Other
products: |
Ratings by phone with in-depth follow up known as VERIFAX (Bank's Only) are available for
$57.50. Other products available are:
- Short Form Report ($25) Overview of an institution or bank holding company
designed for people without a financial background.
- Blue Ribbon Bank Report ($35) Highest rated banks in a selected region.
- Bank, S&L;, or Credit Union Research Reports ($45) - In depth report designed for investors.
- Holding Company Research Report ($95) - In-depth report which contains a breakout of data
and ratings for each of the commercial bank members of a bank holding company.
- Bank and Thrift State Ratings Report ($110) Key financial measures and ratings
for all banks and S&Ls; in a state.
- Watchlist Report ($110) Tracks any 50 institutions selected.
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Weiss Ratings Inc.
Website:
http://www.weissratings.com
4176 Burns Road
Palm Beach Gardens, Florida 33410
Phone: (800) 289-9222
Fax: (561) 625-6685
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Product: |
Guide to Banks and
Thrifts |
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Frequency
& cost: |
Updated quarterly ($219 for single quarter, $438, full year) |
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Institutions
rated: |
Financial safety ratings on over 11,100 US banks and thrifts. |
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Rating
method: |
Rates institutions on a scale of A+ (Excellent) to E -(Very Weak) |
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Other
contents: |
Provides a summary analysis for all institutions and identifies the safest institutions
within each state. |
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Other
products: |
- Ratings Online ($7.95) Billed to a credit card
- Verbal ratings ($15) Available via telephone
- Watchdog service ($48) Provides immediate notification
of a ratings change, plus a quarterly ratings affirmation notice.
- Personal Safety Report ($45) 12 page detailed analysis of an individual bank or thrift.
- Consumer Safety Update ($25) Summary report covering a company's rating and factors
contributing to the rating.
- Weiss Recommend Companies ($55) Lists those companies receiving the highest Weiss Safety
Rating.
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