The total count of iBank Monitor Critical List declined to 9 banks at March 31, 2018 from 11 banks using the December 31, 2017 Call Report data and was down from 15 banks using September 30, 2017 Call Report financial information. Total assets of Critical banks now stands at $1.8 billion, down from $2.3 billion at December 31, 2017. For tenured Critical List banks, the story remains the same - their assets are shrinking, management continues to write off or work out troubled assets, and capital has been depleted in anticipation of being rescued, sold or closed. During the height of the banking crisis, the Critical List hovered around 120 banks at any given time, and today the norm has settled to a much lower level.

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Disclaimer: Information used as the basis for analysis, formulating schedules and preparing reports contained in this website is believed to be accurate.  However, you should not rely on information contained in the website in making a determination of the financial condition of financial institutions, since circumstances are constantly changing and source information may be incorrect.  You should make further independent investigation by reading the text of each Regulatory Enforcement Action and analyze detailed and current financial information from each financial institution.  By using this website, you acknowledge the risks inherently associated with research, and release Data Informatics, LLC from any liability arising from any information found to be incorrect.

iBank Monitor - Critical List

The iBank Monitor Critical List identifies the most troubled U.S. banks using a rigorous financial screening process. With rare exception, virtually all of the banks which have failed since 2008 have been positively identified in advance through the iBank Monitor Critical List evaluation process.

it is important to note that the Critical List is fluid.

  • Not all of the banks which will fail are contained in the current Critical List. 
  • As time progresses and as banks fail, other banks will take their place on the Critical list due to constant changes in asset quality, capital and earnings of individual banks. 
  • Bank closure activity since 2011 appears to be more random and sporadic even though the financial metrics of the Critical List banks are well within the range of traditional closure norms. 

The Critical List selection methodology examines:

  • The most recent quarter-end capital ratios, 
  • Non performing assets, 
  • Intangible assets, and 
  • Net earnings after considering gains/losses from sales of assets as well as loan loss provisions.

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