Hundreds of banks failed during the Great Recession period, with 157 in 2010 alone. Given the current economic stress, many banks will fail for sure.

If your bank fails, you may loose money indirectly, even with FDIC insurance, and will surely suffer the headache of disruptions (Check the FDIC Web Page for details https://www.fdic.gov/consumers/banking/facts/payment.html):

(a) Once a bank is closed, the accrual of interest ceases on all accounts. Even after your account is established with the acquiring bank, it is likely your new rate will be lower.

(b) Any outstanding checks or payment requests presented after a bank failure will be returned unpaid. Resolving issues arisen from the interruption is your responsibility.

(c) It might take a few days for you to get your insured portion back after a bank is closed.

(d) It will take a lot longer, sometimes even years for you to get your uninsured portion back. Even worse, you may not be able to get the full amount.

(e) Safe deposit box holders, business owners, trusts, and fiduciaries may all experience different disruptions.


Using different machine learning technologies, we predict the likelihood of bank failures through an intuitive rating system of 1 to 5, with 1 being the worst and 5 the best. Our ratings cover all the FDIC guaranteed financial institutions. The purpose is to help you identify weak financial institutions so you can avoid the headache of dealing with bank closings in the future.

Using data up to Q4 2019, only 5 banks were assigned the worst rating of 1. As of today, two of them have failed (Q1 2020 data is not available yet) For banks with the worst rating, we recommend depositors to move away from them as soon as possible.

There is no charge for you to use our services. You can check any bank you are interested in. In addition, you can drill down to the details to understand how our ratings are derived.


For details, please visit our website https://www.bankCAMELS.com


About bankCAMELS

bankCAMELS is a bank research firm. Our focus is to identify weak banks so depositors can avoid the ordeal of dealing with bank failures in the future. All the data we use in our models are downloaded from the U.S. regulators’ websites.