i dont think the internal assestment standard is something that each individual bank gets to set by its own. the federal reserve, or /and US govt or State govt. has to have some atleast minimal guideline as to what the assestment standard should be. or whats that organization called, better bureau or something like that , that provides info to the citizens. all these big banks, are publicly traded companys, its not privately held, so the information is public too, the stock holder , and future investor has a right to know about all these info you're seeking, before they buy the stock .