Federal banking supervisors review six critical aspect (Capital strength, Asset quality, Management ability, Earnings sufficiency, Liquidity, and Sensitivity to market risk) of a bank’s operation and condition in their examination rating procedure (the Uniform Interagency Bank Rating System), commonly called the CAMELS ratings. The relationship between VERIBANC’s color and star risk ratings and the “estimated CAMELS” score is tabulated as follows:

†PLEASE NOTE: Only the government and the institution itself, by law, have access to the “official CAMELS” ratings. Our studies (through 12/31/03)  have shown that our “estimated CAMELS” is close. Most other rating services and agencies consider only three, four or five of the six “CAMELS” factors. (Originally, there were only five CAMEL factors. The sixth one, “sensitivity to market risk,” was added by regulators several years ago.) VERIBANC takes all six into account.