---
title: Deposits Becoming a Zero-Sum Game for Community Banks
description: Deposits Becoming a Zero-Sum Game for Community Banks
image: https://intel.invictusgrp.com/hubfs/IMG_6441.webp
---

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## 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.**](https://intel.invictusgrp.com/hubfs/FMS-Conference.pdf)

## More recent posts

![Invictus CEO to Moderate Regulatory Panel at ](https://intel.invictusgrp.com/hubfs/AdobeStock_901521336-1.jpeg)

[banking](https://intel.invictusgrp.com/tag/banking), [Capital Plan for Community Banks](https://intel.invictusgrp.com/tag/capital-plan-for-community-banks), [Community Banks Capital Plan](https://intel.invictusgrp.com/tag/community-banks-capital-plan), [capital planning](https://intel.invictusgrp.com/tag/capital-planning), [liquidity](https://intel.invictusgrp.com/tag/liquidity), [stress testing](https://intel.invictusgrp.com/tag/stress-testing), [Trade War Recession](https://intel.invictusgrp.com/tag/trade-war-recession), [Capital Requirements for community banks](https://intel.invictusgrp.com/tag/capital-requirements-for-community-banks), [community bank regulations](https://intel.invictusgrp.com/tag/community-bank-regulations), [Global Oil Shock](https://intel.invictusgrp.com/tag/global-oil-shock), [Stagflation](https://intel.invictusgrp.com/tag/stagflation), [Banking CRE](https://intel.invictusgrp.com/tag/banking-cre), [Banking Construction](https://intel.invictusgrp.com/tag/banking-construction), [Concentration Limits](https://intel.invictusgrp.com/tag/concentration-limits), [CRE Banking Strategies](https://intel.invictusgrp.com/tag/cre-banking-strategies)

### [Invictus CEO to Moderate Regulatory Panel at "Concentrate 2026" *Author: Patti Casaleggio, Invictus Analytics * As regulatory scrutiny and expectations around commercial real estate (CRE) continue to evolve, staying ahead of supervisory trends has never been more critical for community and...](https://intel.invictusgrp.com/invictus-ceo-to-moderate-regulatory-panel-at-concentrate-2026)

![Preparing for the Possibility of a Global Oil Shock and Stagflation Scenario](https://intel.invictusgrp.com/hubfs/AdobeStock_1939288070-1.jpeg)

[banking](https://intel.invictusgrp.com/tag/banking), [Capital Plan for Community Banks](https://intel.invictusgrp.com/tag/capital-plan-for-community-banks), [Community Banks Capital Plan](https://intel.invictusgrp.com/tag/community-banks-capital-plan), [capital planning](https://intel.invictusgrp.com/tag/capital-planning), [liquidity](https://intel.invictusgrp.com/tag/liquidity), [stress testing](https://intel.invictusgrp.com/tag/stress-testing), [Trade War Recession](https://intel.invictusgrp.com/tag/trade-war-recession), [Capital Requirements for community banks](https://intel.invictusgrp.com/tag/capital-requirements-for-community-banks), [community bank regulations](https://intel.invictusgrp.com/tag/community-bank-regulations), [Global Oil Shock](https://intel.invictusgrp.com/tag/global-oil-shock), [Stagflation](https://intel.invictusgrp.com/tag/stagflation)

### [Preparing for the Possibility of a Global Oil Shock and Stagflation Scenario *Author: Adam Mustafa CEO, Invictus Analytics * What happens when inflation reaccelerates from already elevated levels while economic growth slows? This is the defining challenge behind Invictus Analytics’ latest Oil Price Shock...](https://intel.invictusgrp.com/preparing-for-the-possibility-of-a-global-oil-shock-and-stagflation-scenario)

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[banking](https://intel.invictusgrp.com/tag/banking), [Capital Plan for Community Banks](https://intel.invictusgrp.com/tag/capital-plan-for-community-banks), [Community Banks Capital Plan](https://intel.invictusgrp.com/tag/community-banks-capital-plan), [capital planning](https://intel.invictusgrp.com/tag/capital-planning), [liquidity](https://intel.invictusgrp.com/tag/liquidity), [stress testing](https://intel.invictusgrp.com/tag/stress-testing), [Trade War Recession](https://intel.invictusgrp.com/tag/trade-war-recession), [Capital Requirements for community banks](https://intel.invictusgrp.com/tag/capital-requirements-for-community-banks), [community bank regulations](https://intel.invictusgrp.com/tag/community-bank-regulations), [cblr](https://intel.invictusgrp.com/tag/cblr)

### [Evaluating the CBLR at 8%: Should Your Bank Adopt it? *Author: Adam Mustafa, CEO, Invictus Analytics * Federal banking agencies recently finalized a rule lowering the Community Bank Leverage Ratio (CBLR) threshold from 9% to 8%, effective July 1, 2026. At first glance, the change...](https://intel.invictusgrp.com/evaluating-the-cblr-at-8-should-your-bank-adopt-it)

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