Ratings

Standard & Poor’s Ratings Services is pleased to present a comprehensive presentation of Financial Institutions ratings criteria.

We maintain an active criteria development process for evaluating financial institutions in order to stay abreast of industry trends and developments. It is our belief that Standard & Poor’s ratings have the most value if our users are able to see the thought processes and methodologies used in making our judgments. Over the years, we have developed and refined our ratings process, employing both quantitative and qualitative analyses, to help make the best overall evaluations for our ratings decisions and opinions.

We will continue to update our Financial Institutions ratings criteria as part of our commitment to provide the most timely and comprehensive rating information available.