IMO, bankrate may be the best publicly available. The problem with these rating agencies is that they tend to focus on a few key ratios....gives you an idea, but doesn't tell the entire story more times than not.
Check out the Uniform Bank Performance Reports from the FFIECs website...learn it....live it. That will be the bible so to speak if you feel the need to analyze a privately held bank.
This post was edited on 11/7 at 10:44 am