Now that most community banks have eight to ten quarters of CECL experience under their belts, many are still grappling with foundational issues such as overreliance on qualitative factors, lack of responsiveness to risk rating...
Deposits Becoming a Zero-Sum Game for Community Banks
The growing deposit crisis for community banks is not going away. The problem is a strategic issue—and easy money policies only buy banks time, they don’t solve the dilemma. Invictus Group’s proprietary analytics, powered by BankGenome,™ offer an unprecedented window into the situation – one reason why the Federal Home Loan Bank in August and the Financial Managers Society in September invited Invictus CEO Adam Mustafa to outline the issue for their member banks. Mustafa explained why the only solution that really works is a targeted merger or acquisition. Read more in this excerpt from his latest presentation.
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capital planning, community bank regulations, Deregulation, bank strategy, community banks, regulatory capital, bank growth strategy, cre risk
How Capital Requirements are Being Scaled Back for Community Banks Too
Author : Adam Mustafa, CEO, Invictus Analytics
Community banks now have the clearest path in nearly two decades to reshape their regulatory capital requirements—and they shouldn't miss it. While most recent efforts to ease...