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Safer Banking Research Articles

Below are articles from our "Is Your Bank Safe?" series examining banks with issues of which depositors should be aware. Banks that we consider safest for depositors in terms of our stress test criteria are highlighted in our Members section. Not yet a member? Sign up here!

Is Your Money Really Safe? I Wouldn't Bank On It

It's only a matter of time before the tsunami is coming. It's time to seek higher ground while you still can. As Ben Franklin once wisely noted, "by failing to prepare, you are preparing to fail.
by Avi Gilburt - 4 days ago

We Are Seeing The Initial Cracks In Bank Stability - Time To Be Cautious

The FDIC recently released its Quarterly Banking Profile, a publication that summarizes the financial performance of all FDIC-insured institutions. In this article, we would like to highlight the key takeaways from the publication, which, in our view, suggest that most U.S. banks are very likely to face major liquidity issues soon.
by Avi Gilburt - 1 week ago

The Fed Is Trying To Pull A Fast One

The Fed is adjusting its bank stress test, but, unfortunately, its new testing standards leave serious holes in determining the true strength of a bank. Let's take a look at the red flags within the Fed's new testing standards.
by Avi Gilburt - 1 month ago

U.S. Bank: Survived The Great Depression, May Not Survive The Next One?

U.S. Bank has major issues of which depositors should be aware, according to our testing methodology for bank strength.
by Avi Gilburt - 2 months ago

Capital One: Danger, Will Robinson, Danger!

The latest in our "Is Your Bank Safe?" series, this one focusing on Capital One.
by Avi Gilburt - 3 months ago

Is Your Bank Safe? A Look At Wells Fargo

We have developed a testing methodology for bank strength, and Wells Fargo, one of the world's largest banks, has major issues of which depositors should be aware.
by Avi Gilburt - 3 months ago

Is Your Bank Safe? A Look At Goldman Sachs

We have developed a testing methodology for bank strength, and Goldman Sachs has major issues of which depositors should be aware.
by Avi Gilburt - 4 months ago

Is Your Bank Safe From A Credit Suisse Collapse?

Credit Suisse has major issues of which depositors should be aware, which can also affect weak US banks.
by Avi Gilburt - 5 months ago

Is Your Bank Safe? - A Look At Bank of America

We have just published the latest article in our "Is Your Bank Safe?" series on Seeking Alpha -- this one on Bank of America (BAC), which has major red flags of which depositors should be aware.
by Avi Gilburt - 6 months ago

Is Your Bank Safe? - A Look At JPMorgan

In our view, JPMorgan is one of the best U.S. mega banks. It is a well-run institution and its business and overall fundamentals have significantly improved over the past 10 years. However, even this high-quality franchise has quite a lot of red flags, which, in our view, could lead to major issues for depositors in a bear market.
by Avi Gilburt - 7 months ago

Is Your Bank Safe? - A Look At Citibank

Over the last few months, we have written several articles outlining our views of banks in general. We explained the relationship that you, as a depositor, have with your bank is in line with a debtor/creditor relationship. This places you in a precarious position should the bank encounter financial or liquidity issues. Moreover, we also outlined why reliance on the FDIC may not be wholly advisable. And, finally, we explained that the next time there is a financial melt-down, your deposits may be turned into equity to assist the bank in reorganizing.
by Avi Gilburt - 8 months ago

Is Your Bank Safe? - There Will Be No More Bank 'Bailouts'

You must understand the relationship you have with your bank in order to protect your assets.What is a "bail-in?"How can a "bail-in" affect your rights as a depositor?In my last article regarding the safety of banks today, I tried to explain the legal relationship you have with your bank:"Although you may feel that you have a credit balance in your bank account, pleaserealize that your credit balance is only as safe as the underlying bank's assets. Since a bank's assets are generally the loans it owns, the underlying loans of your bank are actually your problem. In fact, most people do not realize that the bank is not a simple depository agent for money.
by Avi Gilburt - 8 months ago

Is Your Bank Safe And Why Should You Care Now?

It behooves every investor to make sure that their money is in a safe bank, and there are not very many of those in the US.
by Avi Gilburt - 10 months ago
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