Invictus Intel Blog
CECL May Not Increase Loan Loss Reserves—And Other Myths for 2023 Filers
The Problem with CECL Models: You’re Asking the Wrong Question
Lessons from the Field: How Three $1B+ Community Banks Are Using Pandemic Stress Testing to Manage Strategy, Risk and Capital
Pandemic stress tests are helping banks manage concentrations, while also reassuring boards and management teams that they can withstand the economic fallout from the coronavirus, three community bankers revealed on a December 3rd
How to Communicate Your Bank’s CECL Findings to Investors
FDIC Says Worst is Yet to Come, 1 out of 4 ‘Satisfactory’ Banks Hit with MRBAs
Pandemic Stress Testing Can Be an Investment with a Huge ROI
With the right approach, the potential Return on Investment (ROI) from pandemic stress testing is quite significant. Most community banks treat stress testing as a check-the-box exercise when they should be viewing it as a...
M&A Hunting Season: Why the Pandemic is a Perfect Time to Target Acquisitions
As crazy as it sounds, now is an ideal time to be on the M&A hunt for community banks. It comes down to supply and demand. The supply of willing sellers is likely to increase as management teams and boards grapple with the...
Tough Exams During COVID-19: One Bank’s Saga of Loan Downgrades and Stress Tests
Kelly Barclay, President and CEO of Ozona National Bank in Texas, wasn’t expecting an aggressive safety and soundness exam last month in relation to COVID-19 economic issues. As a member of the Dallas Federal Reserve Bank board...
Forget Loan Categories: The New Way to Look at Post-Pandemic Community Banking
The pandemic has upended the very nature of community banking. This change requires a new way of strategic thinking, which we explain in this article. Banks that fail to adopt to the new environment will end up at a competitive...