YOUR PROVIDER OF TOOLS TO ASSESS
FINANCIAL INSTITUTION RISK

Would you like to order a report(s)?
Click Here or click on the Order Request link above
or at the bottom of the page.

Would you like to purchase our entire Rating Methodolgy?  Click Here

REPORTS FOR BUSINESSES
(for due diligence)

In the current economic environment, outright failure of an institution (and loss of deposits in excess of the FDIC’s $250,000^† limit) may not be the principal concern. Instead, risk assessment often focuses on other responses by a financial institution to unfolding problems . . . problems that can adversely impact those with whom it does business. Surprises such as sudden curtailment of credit lines, merger announcements, fee hikes, payment delays and earnings plunges can be symptomatic of regulatory troubles, financial weakness or back office problems -- situations that show up routinely in the data VERIBANC analyzes.

† Congress has increased FDIC deposit insurance to $250,000 per depositor through December 31, 2013. Please click on the following link for more details: http://www.fdic.gov/deposit/difaq.html

REPORT DESCRIPTIONS

INSTANT RATINGS (by phone with written confirmation)
Report Text (PDF Format)
Find out how your bank rates.

Current ratings are available by phone for any bank, savings bank, S&L or credit union in the country (also includes any federally-insured internet banks). A research staff member is available to help you identify your bank and explain the ratings. A written confirmation sent by mail provides the current rating and the three previous quarters’ ratings. Call us at 1-800-837-4226 (1-800-VERIBANc) for our color code and star rating on your bank.

• $10 for one institution and
  $5 for each additional institution requested during the same phone call
  (Instant Ratings are also available by subscription.)

• $25 for single issue
  $90 for an annual subscription of four quarterly reports
  

BANK HOLDING COMPANY SHORT FORM REPORT

• $40 for a single issue
  $144 for an annual subscription of four quarterly reports

BLUE RIBBON BANK REPORT (Premier Banks)
Report Text (PDF Format)
The most requested report on Blue Ribbon Banks.

The Blue Ribbon Bank Report, compiled by geographical region (for list of regions and major cities, click here) and updated quarterly, provides the names of top-rated banks which also meet extra high standards. These are the banks which currently hold the special VERIBANC Blue Ribbon Bank commendation of excellence. The report includes all Blue Ribbon Banks that have branches in the state you request and also the largest Green, Three Stars rated banks in the state. Basic financial information such as assets, profitability, capital strength and liquidity measures are provided.

• Regional report is $35 for a single issue
  $126 for an annual subscription of four quarterly reports


• All Blue Ribbon Banks in the entire U.S. - $240 for a single issue
  $864 for annual subscription of four quarterly reports.

BLUE RIBBON BANK GRAPHS (PDF Format)

RESEARCH REPORT (Analyst's View)
BRR Report Text, CURR Reprt Text, SLRR Report Text (PDF Format)
An in-depth report on your financial institution.

The Bank Research Report, Thrift (S&L) Research Report and Credit Union Research Report provide key operating and performance measures, compliance with Federal requirements, lending categories and considerably more financial background. It also includes industry-wide comparisons and VERIBANC’s risk rating along with explanations. The Bank Holding Company Research Report contains the same type of financial data but also has a breakout of assets, capital, income, problem loans and key performance ratios for each member bank.

• The Research Report is $45 for a single issue;
  $162 for an annual subscription of four quarterly reports
  

BANK HOLDING COMPANY RESEARCH REPORT
Report Text (PDF Format)
An in-depth report on a Bank Holding Company - banking operations only.

• $95 for a single issue
  $342 for an annual subscription of four quarterly reports

This report can be emailed (PDF Format). BRR BANK GRAPHS, SLRR THRIFT GRAPHS, CURR CREDIT UNION GRAPHS (PDF Format)

STATE RATINGS REPORT
Report Text (PDF Format)
A report on every [bank & thrift (S&L)] or credit union in your state, including those with their main office out-of-state.

The Bank/Thrift State Ratings Report and the Credit Union State Ratings Report provide important financial measures such as assets, capital, income, reserves, problem loans, securities, regulatory enforcement actions, key performance indices and other data. VERIBANC’s risk ratings, based on over 20 criteria, including all six CAMELS factors, indicates current condition and future risks. Updated quarterly. May be customized to your needs.

• $110 for a single issue
  $396 for an annual subscription of four quarterly reports

This report can be emailed (PDF Format). SR BANK & THRIFT GRAPHS, SR CREDIT UNION GRAPHS  (PDF Format)


STATE 50 REPORT and/or US 50 REPORT
Report Text (PDF Format)
A report on the largest (by asset size)50 banks, thrifts (S&Ls) or credit unions in your state or in the U.S.

These reports provide the same type of information given in the State Ratings Report, but for only the 50 largest (by asset size) banks, thrifts or credit unions in your state, or the 50 largest (by asset size) in the country.

• $50 for a single report
  $180 for an annual subscription of four quarterly reports

This report can be emailed (PDF Format). SR50 BANK & THRIFTS GRAPHS, SR50 CREDIT UNION GRAPHS (PDF Format)

REAL ESTATE INVESTORS' REPORT
Are you looking for bargains in real estate?

This report, available for either banks or thrifts, lists all of the institutions in your state which hold repossessed property. Also included are assets, problem real estate loans, capital and amount of loans the institution has made to finance the purchase of repossessed property. Please note that this report contains no listing of specific properties being held by the institution nor does it contain contact names of bank personnel.

• First report is $110
  second or additional reports ordered at the same time are $50 each

VERIFAX REPORT
An in-depth financial profile with peer grouping and historical data on any bank; report is faxed within one hour of your call.

The VERIFAX Report provides detailed financial measures, current and historical data, industry and peer group norms. It contains sufficient information to assess major banking performance areas, including capital compliance, lending concentrations, asset quality and problem loans, interest income, overhead, growth and contingent liabilities.

• $57.50 for each institution requested
  $525 for a subscription of up to 20 reports during one twelve month

WATCHLIST REPORT
REPORT TEXT (PDF Format) 
The most economical way to track a moderate number of mixed types of institutions, includes focused consulting.

The process begins with the list of financial institutions that you supply to us. Every quarter, we send you a “Watchlist” Report on your banks, thrifts (S&Ls) and/or credit unions. The report presents VERIBANC’s safety ratings, supporting financial data, a summary of recent regulatory enforcement actions against any of the institutions and regulatory categorizations of each bank and thrift’s capital robustness. In addition, you receive the benefit of VERIBANC’s research service that follow your banks and thrifts as they consolidate, merge or move, and updates the entries in your report automatically. While enrolled in the plan, you may change a moderate number of  institutions on your list as often as you wish. A call, fax or email with your additions and deletions will be welcomed any time. Moreover, we invite you or anyone in your organization to take advantage of the complementary consulting service we offer. This consulting service allows you to speak to one of our experts if you have any questions whatsoever about the condition, identity, organizational structure or merger status of any of your Watchlist institutions. Please fax, mail or email your list of institutions with your order.

• $110 for a single report of up to 50 institutions
  $396 for an annual subscription of four quarterly reports

This report can be emailed (PDF Format). WL BANK GRAPHS, WL CREDIT UNION GRAPHS, WL THRIFTS GRAPHS (PDF Format)

EVERYTHING REPORT WITH DATA
REPORT TEXT (PDF Format)
If you need all U.S. banks and thrifts (S&Ls) or credit unions this is the report.

Every bank and thrift (S&L) in the country is listed by name, city and state with ratings and the same capital, income, problem loan and enforcement action data provided in our State Ratings Reports. A similar report is also available for credit unions. You may request printed copy, diskette or CD-ROM.

• $600 for a single issue,
  $2,160 for an annual subscription of four quarterly reports with data

ET BANK & THRIFT GRAPHS,  ET CREDIT UNION GRAPHS (PDF Format)

EVERYTHING REPORT WITHOUT DATA
Also available is the Everything Report with VERIBANC's color codes and star ratings only (no financial data). Same report as described above, but with color codes and star ratings only.

• $400 per issue
  $1,440 for an annual subscription of four quarterly reports

REGULATORY ENFORCEMENT ACTIONS
Official government sanctions against banking institutions

VERIBANC maintains a data base of all regulatory actions against banks, thrifts (S&Ls), credit unions, bank holding companies and their personnel that have been announced by federal regulators since 1991. More than 4,500 actions are recorded, some within the past few months. The entire data base is available, or if you wish, VERIBANC can conduct searches for regulatory actions against a particular institution.

• $35 per individual search
  $1,200 for the full data base

Custom Analysis, Research and Data Base Design
If you have specialized banking data needs

VERIBANC can provide almost any quantifiable performance measure, ratio or other indicator of creditworthiness, earnings potential, peer grouping or market/demographic distribution. Sorting and selection are possible according to virtually any criteria. In addition, VERIBANC designs and customizes financial data bases. We can blend the data you already possess with our extensive current and historical holdings. We can also track formerly existing institutions, relationships among institutions, branch networks, relationships between internet banks and “parent” institutions, identify illegal banks and help you keep track of regulatory sanctions. Outputs are verbal and written reports. Other custom reports and custom-designed data bases are available. If you would like to discuss applying our comprehensive bank research and analysis skills to your needs, please contact us. Our office hours are 9:00 am - 5:30 pm Eastern Time (Mon-Fri). Fees depend on amount of preparation work involved.

Less than Green with Three Stars Research - $37.50

If your institution's rating is less than Green with Three Stars - find out why.  We will do the research for you.  You will receive an explanation describing which test(s) was missed. This report can be emailed (PDF Format).

ARCHIVAL DATA AVAILABLE FOR RESEARCH
AND ANALYTICAL SUPPORT

VERIBANC is THE SOURCE (and in some cases, the only source) for historical call report data. Our data covers:

All U.S. Federally-insured Banks -- year end data for 1978 and 1979, quarterly data for 03/80 to present,

All U.S. Federally-insured Credit Unions -- 12/81 to present (includes some non-federally insured institutions),

All U.S. Federally-insured Thrifts (includes savings and loan associations) -- 06/79 to present,

Unified format CD-ROM S&L data for 1979 through 1997,

U.S. Financial Institution Call Report Data, as released by regulatory agencies from year end 1978 to present, available for analytical and research support.

PRINTED REPORTS - All can be provided in machine-readable form when a sufficient number of financial institutions are involved. Please note that fees are subject to change. Subscriptions receive a 10% discount. Priority service is available.

Thank you for your interest in VERIBANC.

If you have questions or would like to know more about
our company or our reports and data sets, please:

Call 1-800-837-4226 (1-800-VERIBANc),
Mail to VERIBANC, Inc., PO Box 1610, Woonsocket, RI  02895

Or, send us an Email.

We look forward to hearing from you.