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...
Deposit Wars: A Breakdown of Key Trends in the First Quarter of 2019
Deposit growth in the banking industry has become a zero-sum game for all intents and purposes. Several months ago we published a white paper that revealed the deposit dilemma appeared more serious than anticipated, based on 2018...
When it Comes to Valuation, it’s the Quality of Your Bank Earnings that Count
The quality of a bank's earnings has an overlooked impact on valuation, according to an Invictus Group analysis of publicly traded bank stocks. We all know that trading multiples of publicly traded banks are driven by asset size...
A New Kind of Relationship Banking
A hundred years ago, community banks relied almost entirely on relationship banking. Lenders knew the borrower personally, which provided a unique customer experience, allowing each bank to carve out its own local niche. Not only...
Community Banks to Face Increasing Problems from Deposits, Study Finds
The deposit problems already plaguing community banks are not going away. And they may be even more serious than anticipated, according to Deposit Dilemma: 10 Interesting and Surprising Trends from 2018, a new Invictus Group...
The Deposit Focus at AOBA: What's Missing from the Conversation
Bank Director’s 25th Acquired or Be Acquired conference concluded on Tuesday in Phoenix. Invictus was proud to again be a sponsor and presenter at the event, which gathered over 1,300 bank executives, directors, and vendors. One...
You’ve Been WARMED: Why SEC Filers Should be Leery of the WARM Method for CECL
Earlier this month, FASB published a Q&A related to the applicability of the Weighted Average Remaining Maturity (WARM) Method for CECL compliance. This method is widely considered to be the simplest approach to CECL since it...
Solving the Deposit Dilemma with M&A: ABA Presentation
There’s only one true way to solve the deposit dilemma and other balance sheet challenges facing community banks as interest rates rise and QE unwinds: a targeted merger or acquisition. Invictus Chairman Kamal Mustafa, the...
Regulatory Statement Offers Good News for Banks with CRE Concentrations
The interagency statement from bank regulators makes clear that guidance is not the same as regulations or laws.