2. SunTrust Banks ( STI) One to four family mortgage loans as a percentage of total assets: 27.1% SunTrust has 5.7% of its one to four family loans in foreclosure and 1.7% are between 30 and 89 days overdue. Analysts surveyed by Bloomberg rank SunTrust shares 14th out of the 19 banks in the S&P 500, assigning it a rating of 3.5 out of 5. Sterne Agee analyst Todd Hagerman rates SunTrust "neutral," arguing that while shares do not look "terribly expensive," at 1.2 times tangible book value, "the valuation is beginning to fully capture the improving fundamentals, while SunTrust's core profitability and ongoing credit leverage materially falls short of other large bank peers." Hagerman described management outfook as "favorable" in a recent report. "While the company's recent return to profitability will continue, the principal earnings drivers will likely include higher reserve release and a stable margin, as well as ongoing expense control," he wrote, adding that he expects net charge-offs to "remain elevated as delinquency levels, although trending lower, have largely stabilized in the last couple of quarters."