Bauer Financial has been analyzing and reporting on banks and credit unions for 16 years.  Financial institutions can not pay to be ranked nor can they be excluded.   The information used to determine the ranking is compiled directly from reporting done by federal regulators.

In July of last year I wrote about “Knowing Your Bank“.  I mentioned “Tier One Capital Ratio” as being one of the criteria regulators use to measure the health of a bank.  Regulators require banks to maintain a tier 1 risk-based capital ratio of 4%, a tangible capital ratio of 4% for a total risk-based capital ratio of at least 8%.  Bay Commercial Banks total risk-based capital ratio is 17.16%.

Bauer Financial recommends all institutions they rank with either 4 or 5 stars.  What this means to them is that the institution is safe, financially sound and operating well above its regulatory capital requirements. 

What this means for the client is piece of mind.  Any client who deposits funds with Bay Commercial Bank or Bankers Exchange Services can be assured their funds are secure.    

To open an account contact our office at (877)989-1031.  We facilitate 1031 Exchange transactions nationwide.