Seven Tampa Bay area banks are viewed as "troubled" and most vulnerable to failing based on a new analysis from BauerFinancial.

The Coral Gables financial firm rates banks every quarter on a five-star system that looks at loan losses and assets, among other financial criteria.

Receiving zero out of five-stars were: Cortez Community Bank in Brooksville; First Commercial Bank of Tampa Bay in Tampa; Old Harbor Bank; Progress Bank of Florida in Tampa; Southern Commerce Bank in Tampa; Southshore Community Bank in Apollo Beach; and Superior Bank in Tampa.

Superior Bank was the only new zero-star on the list.

All told, 43 banks Florida-based received zero stars, down from 51 last quarter. However, the list also cites eight other banks in the state that have failed and had their assets assumed by the Federal Deposit Insurance Corp.

So far this year, 22 Florida banks have failed.

In a separate breakdown on Florida credit unions, Keys Federal Credit Union in Key West and Score Federal Credit Union in Tallahassee were the only ones to receive zero stars.