My bank's bankrate info is bad---can I get opinions?

[CoffeeCat]

I'm not soliciting financial advice, but I would like opinions about what bankrate is saying about my bank.

I'm looking at the write-up on my bank at bankrate.com---and this seems pretty bleak to me,
but I'm not a financial expert.

I know this is a lot to ask, but I'm worried and I'm wondering if anyone could offer their
opinion on what bankrate says about my bank. Our bank was given 2 stars (out of a 5 star
rating).

Here is the link to the page which discusses my bank: http://www.bankrate.com/brm/safesound/commmm.asp?fedid=653648

If you'd like to look up your own bank, go here: http://www.bankrate.com/brm/safesound/select.asp?insttype=0

[pitohui]

1. it say don't invest more than the fdic insurance level w. this bank

in other words, don't have more than $250K total investments with this bank -- i am not sure if the current insurance will run out on jan 1, so personally i would not have more than $100K in total combined deposits at this bank

it's a mediocre bank and they expect it to get even mediocre-er

over the years i have been thru many a bank failure and have never experienced the loss of a penny or a moment's inconvenience, but of course i have never had large amounts on deposit -- for my lifetime as long as you restrict total accounts w. a bank (INCLUDING CDs!!!!!) to be less than $100K the insurance will take care of you

my current bank is scheduled to be taken over by a very highly rated one, and i do not anticipate any issues in the transition, altho i'm sorry to lose a relationship w. a bank that i've had for going close to 2 decades

*i* do not advise this because of the high risk of robbery, loss, flood, etc. but some people are advising to keep some cash on hand in case your bank is closed for a day or two and you are unable to get to your cash for a brief period of time, in my opinion, it would be safer to hold a credit card for that purpose -- armed robbers in my area (southern louisiana) target people known to hold cash -- but that's a decision only you can make, if you don't have a credit card to use for an emergency then you may need to hold some cash in a secure place -- keep in mind your home owner's insurance likely won't cover the loss of cash in robbery or disaster