KBRA Financial Intelligence

KFI Score Scale

A

A financial institution in strong financial condition that is well capitalized, liquid and profitable. The entity is highly likely to meet its credit obligations under severe economic, financial and business conditions.

B

A financial institution in sound financial condition that is likely to meet its credit obligations under difficult economic, financial and business conditions.

C

A financial institution with an adequate financial condition but is more susceptible to adverse changes in economic conditions that could affect its ability to meet its credit obligations.

D

A financial institution whose financial condition is judged to be relatively weak and its ability to meet financial obligations could be affected by adverse economic, financial or business conditions.

E

A financial institution that is likely to have financial problems and poor financial ratios. Careful consideration should be made concerning investments in this financial institution. The financial institution has a much higher probability of failure than financial institutions with higher ratings.

NS

Not Scored. A financial institution that is missing key financial data necessary to derive a score.

NI

New Institution. A new financial institution which is less than three years old and which is not scored, but its financial data is presented.

KFI Scores may append - or + modifiers in categories A through C to indicate, respectively, upper and lower risk levels within the broader category.

*KBRA Financial Intelligence (KFI), which is a division of KBRA Analytics, publishes KFI Scores.