{"data":{"id":"us/12-cfr-appendix-b-to-subpart-a-of-part-327","jurisdiction":"us","citation":"12 CFR Appendix B to Subpart A of Part 327","heading":"Appendix B to Subpart A of Part 327—Conversion of Scorecard Measures into Score","body":"1. Weighted Average CAMELS Rating\nWeighted average CAMELS ratings between 1 and 3.5 are assigned a score between 25 and 100 according to the following equation:\nS = 25 + [(20/3) * (C 2 −1)],\nwhere:\nS = the weighted average CAMELS score; and\nC = the weighted average CAMELS rating.\n2. Other Scorecard Measures\nFor certain scorecard measures, a lower ratio implies lower risk and a higher ratio implies higher risk. These measures include:\n• Concentration measure;\n• Credit quality measure;\n• Market risk measure;\n• Average short-term funding to average total assets ratio; and\n• Potential losses to total domestic deposits ratio (loss severity measure).\nFor those measures, a value between the minimum and maximum cutoff values is converted linearly to a score between 0 and 100, according to the following formula:\nS = (V −Min) * 100/(Max −Min),\nwhere S is score (rounded to three decimal points), V is the value of the measure, Min is the minimum cutoff value and Max is the maximum cutoff value.\nFor other scorecard measures, a lower value represents higher risk and a higher value represents lower risk. These measures include:\n• Leverage ratio;\n• Core earnings to average quarter-end total assets ratio;\n• Core deposits to total liabilities ratio; and\n• Balance sheet liquidity ratio.\nFor those measures, a value between the minimum and maximum cutoff values is converted linearly to a score between 0 and 100, according to the following formula:\nS = (Max −V) * 100/(Max −Min),\nwhere S is score (rounded to three decimal points), V is the value of the measure, Max is the maximum cutoff value and Min is the minimum cutoff value.","path":["Title 12—Banks and Banking","CHAPTER III—FEDERAL DEPOSIT INSURANCE CORPORATION","SUBCHAPTER B—REGULATIONS AND STATEMENTS OF GENERAL POLICY","PART 327—ASSESSMENTS","Subpart A—In General"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"4384c3a896c0a995e677ff476e1eaa56bb5c17ed8294c60447695dd70f61de3b","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-appendix-a-to-subpart-a-of-part-327","next":"us/12-cfr-appendix-c-to-subpart-a-of-part-327"},"notice":"GroundRules: Original legal text. Not legal advice."}