About IDC

IDC Financial Publishing, Inc. (IDCFP) uses its unique CAMEL rankings of financial ratios to determine the safety ratings of banks, bank holding companies, savings institutions, and credit unions.

IDC's methodology for ranking financial institutions for safety is an open platform, allowing banks, savings institutions, credit unions, and any client to understand financial ratios and rank for a specific institution. Our staff is open to discussion of all ratios and rank to account for special circumstances of your financial institution.

C

Capital Requirements

Specific capital ratio requirements are used to determine if an institution is well-capitalized: 1) Tier 1 Leverage Capital Ratio (Tier 1 capital divided by Tier 1 assets) of 5% or higher, 2) Total Risk Based Capital Ratio (Tier 1 + Tier 2 capital divided by risk-based assets) of 10% or higher, and 3) Tier 1 Risk Based Capital Ratio (Tier 1 capital divided by risk-based assets) of 6% or higher.
A

Adequacy of Capital

Adequacy of Capital and reserves measures the levels of delinquent loans, nonaccrual loans, restructured and foreclosed assets relative to loan loss reserves and Tier I capital. Risk-adjusted assets as part of the risk-based capital ratio further define the quality of assets.
M

Margins

Margins are the best measurement of management's financial controls. Margins represent the spreads between (1) the return on equity compared to estimated cost of equity capital, (2) interest income versus cost of funding, and (3) operating profit and net operating revenues.
E

Earnings Returns

Earning returns measure the success of the operating strategy. Revenue yields from investments, loans, and noninterest income with comparison to operating costs are the major components of the net operating after-tax return on earning assets (ROEA). Return on financial leverage (ROFL) measures the amount of leverage and after-tax cost of funding compared to the after-tax ROEA.
L

Liquidity

Liquidity determines the ability to grow (1) balance sheet cash flow as a percent of Tier I capital and (2) annual growth in equity capital, (3) nonperforming assets % total loans, (4) loans compared to stable deposits and borrowings plus estimated unused lines of credit at the Federal Home Loan Bank, and (5) interest bearing liabilities % earning assets.

Discover Risk Earlier With Our CAMEL Analysis

IDC's CAMEL describes the 24 financial ratios used to compute the one-number summary rating of bank safety. Each financial institution evaluated has an analysis of financial ratios and a summary rank. IDC's unique CAMEL analysis utilizes financial ratios that have a significant impact on the quality of financial institutions.
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We Have Rankings for 11,826 Institutions

Based on second quarter 2018 regulatory filings, evaluated institutions earned the following categories and corresponding numerical ranks using IDC's proprietary CAMEL analysis.
  1. Superior 5918
  2. Excellent 2483
  3. Average 2192
  4. Below Average 1045
  5. Lowest Ratios 157
  6. Rank of One 31
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Now Available!

2nd Quarter 2018 Ranks

IDC Financial Publishing's Second Quarter 2018 ranks are available now on our portal! We provide quarterly at-a-glance financial strength assessments that promote direct and straightforward comparisons between any bank, savings institution, or credit union.

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Why Use IDC

Our Rating Standard

We give you the ability to determine why things are going well...or not so well. IDCFP calculates a one-number summary rank, ranging from 1, the lowest, to 300, the top grade attainable, based on an analysis of 24 financial ratios. These ratios explain the financial institution's strengths and weaknesses.

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Why Use IDC

Our Remarkable Track Record

We have a track record of identifying deteriorating or improving institution performance, months, or even years, before it becomes apparent to other ranking companies.

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Bank Rating Services

Founded in 1985 by John E. Rickmeier, President, IDC is the industry standard for rating financial institutions, which issue brokered certificates of deposit. IDC's proprietary "CAMEL" analysis assesses the overall safety and soundness of over 12,000 financial institutions each quarter. The bank rating methodology of analyzing 24 key financial ratios provides a one-number IDC quality rank from 1 (the lowest) to 300 (the highest) for each institution reporting to the Federal Deposit Insurance Corporation (FDIC), Federal Reserve, Office of the Comptroller of the Currency (OCC), and the National Credit Union Administration (NCUA). The bank safety ratings fall into one of six peer group categories: Superior, Excellent, Average, Below Average, Lowest Ratios, and Rank of One.