CAMELS rating system

E309741

The CAMELS rating system is a supervisory framework used by U.S. banking regulators to evaluate the overall health and risk profile of banks across key dimensions such as capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk.

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All labels observed (2)

Statements (49)

Predicate Object
instanceOf bank supervisory rating system
regulatory assessment framework
appliedBy bank examiners
appliesTo commercial banks
credit unions
savings institutions
bestRating 1
component Asset quality
Capital adequacy
Earnings
Liquidity
Management
Sensitivity to market risk
confidentiality non-public
countryOfUse United States of America
surface form: United States
expandedComponent Sensitivity to market risk
expandedToCAMELS 1990s
focusesOn financial condition of banks
risk management practices
safety and soundness of banks
fullName CAMELS rating system self-linksurface differs
surface form: Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk rating system
influences deposit insurance assessment considerations
regulatory enforcement actions
introducedIn 1970s
originalAcronym CAMEL
originalComponent Asset quality
Capital adequacy
Earnings
Liquidity
Management
originatedBy U.S. federal banking regulators
purpose assess risk profile of banks
evaluate overall condition of depository institutions
support supervisory oversight and enforcement actions
ratingScale 1 to 5
ratingType component ratings
composite rating
regulatoryBasis U.S. banking supervision framework
relatedConcept bank examination
prudential regulation
usedBy Federal Deposit Insurance Corporation
Federal Reserve System
National Credit Union Administration
Office of the Comptroller of the Currency
usedFor determining examination frequency
determining supervisory intensity
identifying problem banks
supporting prompt corrective action decisions
worstRating 5

Referenced by (2)

Full triples — surface form annotated when it differs from this entity's canonical label.

OCC usesSupervisoryFramework CAMELS rating system
subject surface form: Office of the Comptroller of the Currency
CAMELS rating system fullName CAMELS rating system self-linksurface differs
this entity surface form: Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk rating system