Latest Content

If Your Capital Plan is Missing this Metric, It’s Broken and Needs to be Fixed Now

By Adam Mustafa, Invictus Group CEO Regulators have made it clear in recent guidance: As the economic fallout from the coronavirus continues, capital plans will be under the microscope at your next exam. And while most community banks have a capital plan, way too many ...
/ Intel, Invictus Blog

CECL vs COVID: Q1 Data Reveals What Drove Loan Loss Reserves for Publicly Traded Banks

By Adam Mustafa and Sonny Capone, Invictus Group Let’s face it: Publicly traded banks that implemented the new current expected credit losses (CECL) accounting standard during the COVID-19 pandemic faced a huge set of challenges. But what really drove their decisions about how much to ...
/ CECL Trends, Intel, Invictus Blog

Read Between the Lines July 2020

What Community Banks Need to Know about Regulatory Actions Regulators Want Stress Tests to Account for Changing Conditions If your bank isn’t adjusting its stress tests to reflect for the changing COVID-19 environment, expect to come under increased regulatory scrutiny. The Office of the Comptroller ...
/ Article, Intel, May 2019

What Community Banks Should Glean from the Fed’s Stress Tests

By Adam Mustafa, Invictus Group CEO The Federal Reserve announced last week that it was suspending stock repurchases and limiting the amount of dividends the largest banks can pay in the second quarter. The Fed made this decision after the large banks “passed” the DFAST/CCAR ...
/ CEOs & Boards, Intel, Invictus Blog

News Alert: Examiners to Focus on Banks’ Ability to Manage COVID-19 Risks

CEOs take note: Bank examiners will be looking at how well your management team has assessed risks from the COVID-19 environment, whether and how you have changed your business practices, and if you have addressed these changes in your long-term strategic planning, according to an ...
/ CEOs & Boards, Intel, Invictus Blog

Sleepless CEO Nights: Say Goodbye to Traditional Pricing Benchmarks

By Leonard J. DeRoma, Invictus Group Director of Liquidity Analytics The last several months of the COVID-19 crisis have heaped an enormous and unexpected level of stress and complexity onto bank CEOs. Managing potentially serious credit problems with clients in various industries, learning to have ...
/ CEOs & Boards, Intel, Invictus Blog

Updated: Additional Data Shows Most Banks Saying No to CBLR

As we told you last month, two out of every three community banks chose not to opt into the Community Bank Leverage Ratio. We've updated our numbers as more banks file their Call Reports, but the trend continues. The latest numbers show just 1,709 banks ...

Invictus Bank Insights – June 2020

COVID-19 Stress Testing:  An Essential Tool to Guide Banks through the Crisis and Beyond The financial fallout from the coronavirus is not going away anytime soon. Now that the all-hands-on-deck efforts to secure federal Paycheck Protection Program loans has passed, community bank executives need to ...

Podcast: Why Banks Should Know Their Margin of Safety During the COVID-19 Crisis

No one has a crystal ball that can predict when and how the economic fallout from the coronavirus will end. But community banks need a way to understand how their capital will fare as conditions change – and which loans they need to watch. In ...

The Shortfalls of Loan-Level CRE Stress Testing in a COVID-19 World

By Adam Mustafa, Invictus Group CEO The coronavirus has presented the first threat to community banks since the 2008 financial crisis.  For the first time, stress testing is a real exercise.  What community banks across the country are discovering with dread right now is that ...
/ Intel, Invictus Blog