Arizona Department of Financial Institutions Official Website Arizona Department of Financial Institutions Arizona's Official Web Site


The Department utilizes the C.A.M.E.L.S. (Capital Adequacy, Asset Quality, Management Quality, Earnings, Liquidity and Sensitivity to Market Risk) rating system as a primary tool in the regulation of all state-chartered banks. This rating system examination format is used to maintain consistency with our federal counterparts, the Federal Deposit Insurance Corporation, the Federal Reserve Bank and the Comptroller of the Currency.

Proactive supervision and examinations ensure that AZDFI maintains a credible, responsive and sound regulatory environment for all bank depositors within the State of Arizona.