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SafetyScorer

Methodology

How we score banks

The 6 factors, weights and scoring rubric behind every SafetyScorer score for banks, on a 0–100 scale where 100 is safest.

Factors and weights

Each factor is scored from 0 to 100 against the rubric below. The overall score is the weighted average, rounded to a whole number.

  1. Capital strength

    25% of score

    CET1 ratio versus requirement and credit ratings. 90+: CET1 well above requirement and AA-/A+ range ratings. Below 50: thin buffers or sub-investment-grade.

  2. Deposit protection

    20% of score

    Deposit insurance scheme and its limits (FDIC $250k, FSCS £120k, EU €100k), systemic importance. 90+: strong scheme and G-SIB status.

  3. Liquidity and funding

    15% of score

    Liquidity coverage ratio, deposit base stability, share of uninsured deposits. 90+: LCR well above 100% and stable retail deposits.

  4. Conduct record

    15% of score

    Fines, consent orders and scandals in the last 10 years (fraud, money laundering, mis-selling). 90+: minor issues only. Below 50: major repeated misconduct.

  5. Digital security

    15% of score

    Data breaches, outages, fraud protection and authentication options. 90+: strong 2FA/passkeys and no major breach.

  6. Stability history

    10% of score

    Bailouts, near failures and crisis performance since 2008. 90+: came through crises without state rescue.

See all banks scores