Invictus Intel Blog

The Biggest Threat to Banks Right Now!

QT is the Federal Reserve's strategy to reduce its balance sheet, and it's far from innocuous. It has a direct impact on our industry, and we need to understand why.

Weathering the Storm: 5 Reasons Why US Community Banks Must Prepare for Hurricane Season

The United States is no stranger to the fury of hurricanes. These massive, destructive storms can wreak havoc on communities, businesses, and infrastructure. As we look ahead to the 2023 hurricane season, the National Oceanic...

ACTION REQUIRED: Transition Risks in the Face of Climate Change

As global greenhouse gas emissions soar to unprecedented levels and the world grapples with the urgent need to address smoking skies, the implications for financial institutions, including community banks, cannot be ignored....

11 Observations from the Regulatory Exam Trenches

Safety and soundness exams are the toughest they have been in years

It has been over four months since the collapse of Silicon Valley Bank. It seemed obvious at the time that regulators were going to change their posture towards...

7 SVB Failure Community Bank Ramifications: Liquidity is Now King

Every bank needs to reassess to their strategic and capital plans because of this past week’s events. Optimizing self-sustaining liquidity levels and real capital levels should be the highest priority right now.  

Your Capital Plan Is Your Defensive Playbook: Is It Ready for a Recession?

A key recession indicator is now at its highest point in 42 years.

Regulators Want to See Your Capital Plan, This Time it Better be Good

Regulators are more concerned about capital in the banking industry than at any point since the 2008 Financial Crisis. This includes the 2020 Pandemic which saw regulators go out of their way to help banks handwave away concerns...

Get Ready for Tough Concentration Questions at your Next Bank Exam

No matter the regulator, community banks with concentration issues should expect extra scrutiny at their next exam. Banks without proper concentration risk management processes are in danger of CAMELS downgrades, enforcement...