Bauer Financial reviews financial data compiled from call reports as reported to federal regulators, and uses a rigid barometer of multiple criteria to assess each financial institution, including capital ratios, profitability/loss trends, community reinvestment ratings (CRAs), historical data, and liquidity. 

As an independent organization, Bauer Financial does not get paid to rate any institution, nor can any institution opt out of the rating system. This unbiased approach has earned the respect of regulators, bankers and consumers across the country. As such, the firm has been able to offer a reliable grading system for almost 40 years.

Learn more about the BauerFinancial rating system here.