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CAEL stands for Capitalization, Asset quality, Earnings
and Liquidity. These are the measures of an institution's safety and soundness
used in this model. It is an abbrieviated version of the industry standard
ratings known as CAMEL. Incorporated into these measures are more
than 20 tests applied on a quarterly basis to the results reported by
each institution. Using this data from the Federal
Deposit Insurance Corporation and Office of Thrift Supervision, the
program assigns a value to each of the CAEL categories and calculates
a composite rating for the institution. More than 10,000 FDIC-Insured banks and thrifts are analyzed.
The most desirable Safe & Sound CAEL rating is one,
the least desirable is five, in accordance with industry standards. Bankrate.com
has reversed this order in its graphic rankings for easy visual recognition.
The top star rating is five, the lowest star rating is one. Performing
institutions will generally receive a rating of 3 or better stars
with the majority of banks falling into the 3-4 star range. By contrast,
the performing Safe & Sound CAEL range would be 1, 2
and 3 with the majority of institutions falling into the 2 range. No report
is available for institutions that do not have four quarters of historical
financial data on file with the federal regulatory agencies. This may
indicate an institution is too new to rate and is not necessarily any
indication of financial strength or weakness.
This information is believed to be reliable but the information is not
guaranteed. In addition, events since the information was collected may
have altered an institution’s financial condition.
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