Small Business Tools


Your business should always “rank-a-bank” before you begin a relationship. 

Selecting the right bank is important to the success of a small business.  Keep in mind that some of the non-government firms that rank banks may not be current and some will charge you for their information.

Medium sized and large banks provide transactional service where decision making is centralized and remote. Community banks provide personalized service with local decision making.

Rank-a-bank by capital adequacy, asset quality, profitability and liquidity.   

Rank-a-bank by capital ratio, profitability/loss trend, the level of delinquent loans, charge offs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity.

(Please note of the 4 most recent banks we started in Arizona one was ranked #1 and another ranked #11 in the same year in the U.S. of banks under $100 million in assets.  Three were Five-Star rated and 1 was Four-Star rated.  Gateway Community Bank in Mesa has been Five-Star rated for the past 17 consecutive quarters since they opened for business.)
Rank-a-bank by federal bank regulators.

Federal Deposit Insurance Corporation:

Comptroller of the Currency, Administrator
of National Banks: 

Federal Reserve System: and

Federal Financial Institutions Examination Council:    
Quarterly Call Report:  

  1. Select View or Download information for individual institutions from the FFIEC link;
  2. When you go to the Search screen, for Report select “Call\TFR” from the drop down menu;
  3. Enter bank name on the Institution Name line;
  4. Enter the city name on the City line;
  5. Enter the state name on the State or Territory line;
  6. Hit Search at the upper left side and the report will appear

U.S. Small Business Administration:  

Small Business Lending Fund:

Established by the Small Business Jobs Act of 2010 (the Act), the Small Business Lending Fund (SBLF) is a dedicated fund designed to provide capital to qualified community banks and community development loan funds (CDLFs) in order to encourage small business lending.  The purpose of the SBLF is to encourage Main Street banks and small businesses to work together, help create jobs, and promote economic growth in communities across the nation.

This new law promotes small business exporting.

According to the U.S. House of Representatives Committee on Financial Services, “Every $1 billion in capital spending is responsible for 19,643 jobs.”

Deposit Insurance and Bank locations

Unlimited FDIC deposit insurance coverage.

FDIC Electronic Deposit Insurance Estimator.

Addresses of all banks by zip Code.  Enter zip code only and hit “Find”.

Address of bank headquarters by zip code.  Enter zip code only and hit “Find”. 

Address of banks in each community.

Information by state on any bank in the U.S.  Small annoyance is that ads show up at the top of the page for each bank you look up.  It takes a second to scroll past them.   

Here is the biggest list of banks in the world by country.

Worldwide list of banks, but incomplete

The Time-Proven Community Bank Model according to the Dallas Federal Reserve Bank.

Interviews with Ernest Garfield

by JoAn Risdon of SmartImageMediaTV

Where's the money

What is the economic forecast? 

Securing a loan for small business! 

Always perform a criminal records search before you begin a business or personal relationship. 

U.S. Criminal Records Agency,, is an Internet search firm I started 16 years ago after the 16-year-old daughter of a bank director was murdered.

Check the background of an investment professional at 
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