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 regional banks.

At Concentrate 2026, Adam Mustafa, CEO of Invictus Analytics, will moderate a high-impact regulatory panel featuring senior representatives from key agencies: Jack Nickels, Senior Examination Specialist FDIC, Grant Rada, Assistant Deputy Comptroller, Dallas/Fort Worth Office OCC, Jamie Garcia, Director, Capital Markets Examination Team, Federal Reserve Bank of Dallas, and Humberto Garcia, Review Examiner, Texas Department of Banking.

Why This Session Matters

This panel brings together a rare cross-section of regulators to provide direct insight into how supervisory priorities are shifting, and what that means for institutions with CRE exposure.

The discussion will focus on the most pressing regulatory themes shaping the industry today, including:

• Capital Requirements
  The implications of proposed Basel III updates and changes to the CBLR framework on capital levels and buffers
• Supervisory Approach
  How evolving CAMELS rating methodologies may influence future safety and soundness examinations
• CRE Risk Focus Areas
  Property types, geographies, and loan vintages drawing heightened regulatory scrutiny
• Risk Management Practices
  Emerging expectations and leading practices for managing CRE concentration risk, including alignment with the 2006 Interagency Guidance
• Portfolio Strategy
  Practical “do’s and don’ts” for diversifying loan portfolios beyond CRE

These topics reflect the real-time challenges banks are navigating today—and the increasing emphasis regulators are placing on forward-looking risk management.

A Must-Attend for CRE-Focused Banks

For institutions with meaningful CRE exposure, this session offers a unique opportunity to hear directly from regulators on both current expectations and emerging areas of focus. The breadth of perspectives shared will help inform strategic decision-making across capital planning, portfolio management, and risk governance.

Join Us in Austin

Concentrate 2026 will take place this September in Austin, Texas, bringing together industry leaders, regulators, and banking professionals for the only conference dedicated exclusively to CRE banking strategies.

Register for Concentrate 2026, View Full Agenda, Reserve your room: JW Marriott Austin to receive the discounted rate for attendees.

Hosted by Invictus Analytics and Elevate Group, the event is designed to deliver actionable insights, practical guidance, and meaningful peer dialogue.

© 2026 Invictus Analytics, LLC, 3401 Tuttle Rd, Suite 300, Shaker Heights, OH 44122. All rights reserved. (unique identifying # & month/year)

Helpful Resources: 

Download the full white paper: Evaluating the Community Bank Leverage Ratio (CBLR) at 8%: Should your Bank Adopt it? which provides:

• A comparison of CBLR and Basel III considerations for community banks
• A three-step decision framework for evaluating the right capital approach
• Key takeaways to support internal discussion with management, the board and advisors

Download the Sample Capital Plan and learn how to:

• Understand key capital planning components
• Define risk limits that align with your growth strategy
• Satisfy regulatory expectations while maximizing lending potential

Download Oil Price Shock & Stagflation scenario to explore assumptions and detailed outputs and learn how to:

• Navigate and plan for a stagflation environment: Understand how to make decisions when inflation is high and growth is weak.

• Identify where risks will emerge:
• Recognize which sectors, portfolios, and borrowers are most vulnerable to an energy shock.
• Adjust strategy under stress: Learn how to adapt lending, investment, and capital planning in a tightening market. 

Download the Tariff & Trade War Recession Scenario which emphasizes:

• Quarterly movements in critical macroeconomic factors (such as GDP, Unemployment, and Interest Rates)
• The limitations of monetary policy which may limit the effectiveness of any Federal Reserve response.

Download the CRE Concentration Risk Management Plan and learn how to:

• Unlock hidden lending capacity using real capital stress testing
• Align growth with capital strength—not arbitrary limits
  
• Proactively address regulatory concerns while maximizing profitability
  
• Benchmark your CRE exposure against peer banks and national trends

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