FINANCIAL INSTITUTIONS RANKINGS AT YOUR FINGERTIPS

About IDC

IDC Financial Publishing, Inc. (IDCFP) uses its unique CAMEL rankings of financial ratios to determine the safety ratings of banks, bank holding companies, savings institutions, and credit unions.

IDC's methodology for ranking financial institutions for safety is an open platform, allowing banks, savings institutions, credit unions, and any client to understand financial ratios and rank for a specific institution. Our staff is open to discussion of all ratios and rank to account for special circumstances of your financial institution.

Capital Risk

Capital risk is determined by Tier I capital as a percent of Tier 1 assets and as a percent of risk-based assets. Tier I & II capital as a percent of risk-based assets (risk-based capital ratios) measures credit and interest rate risk as well as estimates risk in the asset base.

Adequacy of Capital

Adequacy of Capital and reserves measures the levels of delinquent loans, non-accrual loans, restructured and foreclosed assets relative to loan loss reserves and capital.

Margins

Margins are the best measurement of management. Margins represent the spreads between (1) operating profit and net operating revenues, (2) after-tax return on earning assets less after-tax cost of funding, and (3) the return on equity compared to estimated cost of equity capital.

Earnings Returns

Earning returns measure the success of the bank's operating and financial strategies. Returns on earning assets (ROEA) before funding costs measures a bank’s management of operations. Returns on financial leverage (ROFL) measures financial management and the degree to which a bank uses deposits, borrowing and debt to fund earning assets not funded by adjusted tangible equity.

Liquidity

Liquidity measures (1) balance sheet cash flow as a percent of Tier I capital and (2) loans compared to stable deposits and borrowings plus estimated unused lines of credit at the Federal Home Loan Bank.

Discover Risk Earlier With Our CAMEL Analysis

IDC's CAMEL describes the 24 financial ratios used to compute the one-number summary rating of bank safety. Each financial institution evaluated has an analysis of financial ratios and a summary rank. IDC's unique CAMEL analysis utilizes financial ratios that have a significant impact on the quality of financial institutions.

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We Have Rankings for 9,976 Institutions

Based on fourth quarter 2022 regulatory filings, evaluated institutions earned the following categories and corresponding numerical ranks using IDC's proprietary CAMEL analysis.

Superior 5085
Excellent 2192
Average 1853
Below Average 751
Lowest Ratios 90
Rank of One 5

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4th Quarter 2022 Ranks

IDC Financial Publishing's Fourth Quarter 2022 ranks for all institutions are available now on our portal! We provide quarterly at-a-glance financial strength assessments that promote direct and straightforward comparisons between any bank, savings institution, or credit union.

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Why Use IDC

Our Rating Standard

We give you the ability to determine why things are going well...or not so well. IDCFP calculates a one-number summary rank, ranging from 1, the lowest, to 300, the top grade attainable, based on an analysis of 24 financial ratios. These ratios explain the financial institution's strengths and weaknesses.

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Why Use IDC

Our Remarkable Track Record

We have a track record of identifying deteriorating or improving institution performance, months, or even years, before it becomes apparent to other ranking companies.

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Bank Rating Services

Founded in 1985 by John E. Rickmeier, President, IDC is the industry standard for rating financial institutions, which issue brokered certificates of deposit. IDC's proprietary "CAMEL" analysis assesses the overall safety and soundness of over 10,000 financial institutions each quarter. The bank rating methodology of analyzing 24 key financial ratios provides a one-number IDC quality rank from 1 (the lowest) to 300 (the highest) for each institution reporting to the Federal Deposit Insurance Corporation (FDIC), Federal Reserve, Office of the Comptroller of the Currency (OCC), and the National Credit Union Administration (NCUA). The bank safety ratings fall into one of six peer group categories: Superior, Excellent, Average, Below Average, Lowest Ratios, and Rank of One.