Commercial Real Estate (CRE) lending can be a powerful growth engine for banks—but only when managed strategically. Many banks limit their expansion due to outdated, one-size-fits-all concentration policies that don’t account for...
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.
More recent posts

Invictus Blog, banking, liquidity, stress testing, cre
Why the Worst Loans Are Made in the Best Times: Lessons from Banking History
Author: Adam Mustafa, President
One of the most critical principles in banking is that the worst loans are often made in the best of times. This paradox underscores how economic conditions at the time of a loan's origination can...