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YOUR PROVIDER OF TOOLS TO ASSESS
FINANCIAL INSTITUTION RISK
Would you like to order a report(s)?
Click Here or click on the Order On-Line link above
or at the bottom of the page.
Would you like to purchase our entire Rating Methodology? 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.
REPORT DESCRIPTIONS
 ON-LINE OR PHONE REQUESTS:
INSTANT RATINGS (Click Here to Order)
Click Here for Sample Report (PDF Format)
Find out how your bank rates.
Current ratings are available on-line for any Bank, Savings Bank, Savings Association (Thrift) or Credit Union in the country (also includes any federally-insured internet banks). Institutions can be searched by zip code, branch location, certificate or charter number or by institution name. If needed, a research staff member is available to help you identify your institution and explain the ratings. Your report is generated at the completion of the checkout process. Previous requests can be viewed from the My Account Info area of the web-site. The Instant Rating report provides the current rating and the three previous quarters’ ratings.
- $5 for each institution requested.
(Instant Ratings by subscription (4 issues) that are automatically emailed, as soon as the new data is available, is only $40 per institution. We do the work for you. Please call us at 1-800-837-4226 to set up your subscription)
SHORT FORM (Click Here to Order)
Click Here for Sample Report (PDF Format)
An easy-to-understand bank safety report - now with three prior quarters' ratings and financial data.
The report, updated quarterly, is available for any Bank, Savings Bank, S&L, or Credit Union in the country. It provides basic financial information, along with explanations, in "plain-English".
- $25 for a single issue.
(The Short Form Report is also available by subscription ($90 for an annual subscription of four quarterly reports) - please call us at 1-800-837-4226 to set up your subscription)
BANK HOLDING COMPANY SHORT FORM (Click Here to Order)
Click Here for Sample Report (PDF Format)
An easy-to-understand Holding Company safety report - now with three prior quarters' ratings and financial data.
The report, updated quarterly, is available for any Holding Company. It provides basic financial information, along with explanations, in "plain-English".
- $40 for a single issue.
(The Holding Company Short Form Report is also available by subscription ($144 for an annual subscription of four quarterly reports) - please call us at 1-800-837-4226 to set up your subscription)
RESEARCH REPORT (Click Here to Order)
Click Here for Sample Report (PDF Format)
An in-depth report with four quarters of financial data.
The Research Report is available for Banks, Thrifts and Credit Unions. It is an in-depth, four-quarter, view that presents over 130 key financial items. It also includes industry-wide comparisons, VERIBANC's risk rating, and explanations.
- $50 for a single issue.
(The Research Report is also available by subscription ($180 for an annual subscription of four quarterly reports) - please call us at 1-800-837-4226 to set up your subscription)
BANK HOLDING COMPANY RESEARCH REPORT (Click Here to Order)
Click Here for Sample Report (PDF Format)
An in-depth report on a Bank Holding Company - banking operations only.
The Bank Holding Company Research Report contains the same type of financial data as the Bank Research Report but also has a breakout of assets, capital, income, problem loans and key performance ratios for each member bank.
- $95 for a single issue.
(The Bank Holding Company Research Report is also available by subscription ($342 for an annual subscription of four quarterly reports) - please call us at 1-800-837-4226 to set up your subscription)
VERITREND REPORT (Click Here to Order)
Click Here for Sample Report (PDF Format)
An in-depth financial profile with peer grouping and up to 12 quarters of historical data on any Bank.
The VERITREND Report provides detailed financial measures, current and historical data, industry and peer group comparisons. 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.
- $55 for a single issue.
(The VERITREND Report is also available by subscription - please call us at 1-800-837-4226 for pricing)
The BRIEFING Report (Click Here to Order)
Click Here for Sample Report (PDF Format)
An examiner's commentary on your institution.
A multi-page safety and soundness commentary modeled by a bank examiner. Provides insight into VERIBANC's assigned rating, Bank Holding Company concerns (if applicable), peer comparison, and historical data trends.
- $65 for each institution requested.
(The Briefing Report is also available by subscription - please call us at 1-800-837-4226 to set up your subscription)
The BANKERS DOZEN Report (Click Here to Order)
Click Here for Sample Report (PDF Format)
Up to 13 institutions closest to the zip code entered.
A report showing (up to 13) institutions based upon a zip code selection and rating threshold. Provides our color code and star rating along with high level financial data and main office contact information.
The BLUE RIBBON Report (Premier Banks) (Click Here to Order)
Click Here for Sample Report (PDF Format)
Closest 25 Blue Ribbon institutions and 10 Green/*** institutions to the zip code entered.
The Blue Ribbon Bank report presents the closest 25 Blue Ribbon Banks (by location) to your entered zip code (Not Highway Miles), along with the 10 closest Green with Three Star banks. The Blue Ribbon Bank report is updated quarterly and provides the names of the 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 basic financial information such as assets, profitability, capital strength and liquidity measures.
- $40 for a single report.
(The Blue Ribbon Report is also available by subscription ($144 for an annual subscription of four quarterly reports - please call us at 1-800-837-4226 to set up your subscription)
The STATE RATINGS Report (Click Here to Order)
Click Here for Sample Report (PDF Format)
A report on every [bank & thrift (S&L)] or credit union in your 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.
- $110 for a single state
- $55 for a second state requested at the same time
- $50 for a state with 50 or less institutions
- $25 for a second state with 50 or less institutions requested at the same time
- The State Ratings Report is also available by subscription ($396 for an annual subscription of four quarterly reports - please call us at 1-800-837-4226 to set up your subscription)
The COMPETITORS Report (Click Here to Order)
Click Here for Sample Report (PDF Format)
Know all of the deposit taking competitors in your area.
Provides a choice of all type(s) of deposit taking institutions (up to 50) within a user selected radius of a particular zipcode. For each institution we present VERIBANC's risk ratings along with high-level financial data including assets, domestic deposits, loans, problem loans.
- $110 for up to 50 institutions
- If you need more than 50 institutions - please call us at 1-800-837-4226
- The Competitors Report is also available by subscription ($396 for an annual subscription of four quarterly reports - please call us at 1-800-837-4226 to set up your subscription)
ORDER REQUEST - BY PHONE:
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
WATCHLIST REPORT - this report can be emailed (PDF)
Click Here for Report Sample ( 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 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
EVERYTHING REPORT WITH DATA
Click Here for Sample Report (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 a printed copy or an easy to load electronic format.
- $600 for a single issue,
- $2,160 for an annual subscription of four quarterly reports with data
EVERYTHING REPORT WITHOUT DATA
Click Here for Sample Report (PDF Format)
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 16,000 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 608, Greenville, Rhode Island 02828
Or, send us an Email.
We look forward to hearing from you.
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