VERIBANC® provides safe and sound bank ratings on all U.S. federally insured financial institutions in "plain English". Detailed research and risk analysis are also available. Since 1981 their bank rating system has helped consumers, business people, and government offices manage banking risk and protect their deposits and investments against bank failure and fraud.
From their inception they have maintained a zero tolerance for bias, no Bank, Thrift, or Credit Union has ever paid them to rate them. They have never accepted advertising or referral fees. No bank names appear on their website (to click on). You can be assured that you are getting the best information with VERIBANC's guarantee: there is no potential for conflict of interest.
Veribanc's track record and integrity in its rating methodology were the reasons that it has been the only bank rating company to team up with the insurance industry to provide excess FDIC insurance coverage from 1993 through 2000. Veribanc's rating model and methodology has been audited and approved by four different insurance companies.
Veribanc receives financial data directly from the regulators on a quarterly basis and runs this data through a number of sophisticated and proprietary processes to evaluate the financial viability of the financial institution. Veribanc's track record has established them as a reliable tool when predicting the financial viability of a financial institution.
Veribanc gives you their B. E. S. T.
Balanced - their rating system blends predictability of bank failure with bank ratings degradation. This balance provides you with added value that actually tracks the performance of the banking industry.
Effective - VERIBANC's ROR (Return On Ratings) is over 99 percent. They are able to detect banking problems with a high degree of reliability.
Seasoned - since 1981 (through the difficult and the good times of the banking industry) their rating system has been tested. Their system's performance has been remarkably consistent.
Transparent - they are the only bank rating company that has always published their track record.
Average Number of Banks in Each Color and Star Classification
With Failure Rates† Between 1991 and 2007
| Color Code and Star Rating |
Average No. of Banks in Category |
Average Percentage of Banks in each Category |
Annualized Failure Rate |
| Rounded to 4 places |
per 10,000 Banks/year |
| Green *** |
7,770 |
80.88 |
0.0001 |
1 |
| Green ** |
883 |
9.20 |
0.0003 |
3 |
| Yellow ** |
593 |
6.18 |
0.0008 |
8 |
| Green * |
198 |
2.06 |
0.0021 |
21 |
| Green, none |
6 |
0.07 |
0.0093† |
93 |
| Yellow * |
90 |
0.93 |
0.0098 |
98 |
| Yellow, none |
21 |
0.22 |
0.0539 |
539 |
| Red, none |
45 |
0.47 |
0.3469 |
3469 |
† Statistical variance due to small sample of failures during this epoch.
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