About Safe & Sound Star Ratings

Explanation's Safe & Sound® service is a proprietary system designed to provide ratings information on the relative financial strength and stability of U.S. commercial banks, savings institutions and credit unions. The system applies more than 20 tests to each institution to measure that institution's:
  • Capital adequacy
  • Asset quality
  • Profitability
  • Liquidity

Individual performance levels are determined from publicly available regulatory filings and are compared to asset-size peer norms, industry standards and key absolute benchmarks. Combined results form the basis of our Safe & Sound ratings, which are described below. When possible, the system also produces a report that provides a detailed explanation of our findings for each rated financial institution.

Bankrate provides its Safe & Sound ratings information for businesses and consumers to use as only one factor in connection with their banking decisions. In connection with banking decisions, businesses and consumers are advised to evaluate independently all financial institutions, consider other information -- including the strength of the financial institution's management -- and to contact financial institutions individually to seek answers to their questions. Bankrate's rating information should not be relied upon exclusively in making banking decisions.


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