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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 Request link at the top
or at the bottom of the page.
Would you like to purchase our entire Rating Methodolgy? Click Here
REPORTS FOR GOVERNMENT AGENCIES
(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 REPORTS:
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 are also available by subscription ($20 for an annual subscription of four quarterly reports) - 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 RESEARCH REPORT (Click Here to Order)
Click Here for Sample Report (PDF Format)
An in-depth report with four quarters of financial data.
The Bank Research Report 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 Bank 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)
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)
ORDER REQUEST - BY PHONE:
INSTANT RATINGS (by phone with written confirmation)
Click Here for Sample Report (PDF Format)
Find out how your bank rates.
Current ratings are available by phone for any Bank, Savings Bank, Savings Association (Thrift) 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 each institution
(Instant Ratings are also available by subscription.)
SHORT FORM REPORT (Executive Summary) - this report can be emailed (PDF)
Click Here for Sample Report (PDF Format)
An easy-to-understand bank safety report.
The report, updated quarterly, is available for any bank, savings bank, S&L, credit union or bank holding company in the country. It provides basic financial information, along with explanations, in "plain-English".
- $25 for single issue
- $90 for an annual subscription of four quarterly reports
BANK HOLDING COMPANY SHORT FORM REPORT - this report can be emailed (PDF)
Click Here for Sample Report (PDF Format)
- $40 for a single issue
- $144 for an annual subscription of four quarterly reports
The BLUE RIBBON Report (Premier Banks)
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.
- $144 for an annual subscription of four quarterly reports.
Complete set of all Blue Ribbon Banks in the entire U.S.
- $240 for single issue
- $864 for annual subscription of four quarterly reports
RESEARCH REPORT (Analyst's View) - this report can be emailed (PDF)
Click Here for Sample Report ( PDF Format)
An in-depth report on your financial institution.
The 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 Research Report is $45 for a single issue
- $162 for an annual subscription of four quarterly reports
BANK HOLDING COMPANY RESEARCH REPORT - this report can be emailed (PDF)
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
- $342 for an annual subscription of four quarterly reports
STATE RATINGS REPORT - this report can be emailed (PDF)
Click Here for Sample Report (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 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
- $396 for an annual subscription of four quarterly reports
STATE 50 REPORT and/or US 50 REPORT - this report can be emailed (PDF)
Click Here for Sample Report (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
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 (on Banks only) - the report is a faxed report
Click Here for Sample Report ( PDF Format)
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 - this report can be emailed (PDF)
Click Here for Sample Report (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 - this report can be emailed (PDF)
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 - this report can be emailed (PDF)
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 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.
- $1,200 for the full data base
- $35 per individual search
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.
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