bauerfinancial wants to charge me $10 for the first report (Everbank) and $4 for each additional report. How did you get yours free?

Weiss is the best rating agency. Bauer is rating everbank as 4 starts! They have severe banking issues, rated as E by Weiss who actually studied it, and bauer is just glossing over it. Weiss gave E ratings to many banks that went under, that had been rated A by AM Best up to the day they went under.

If you really want to know about the safety of your bank, get the Weiss report. Otherise, you are basically at the mercy of the FDIC.