Invictus Intel Blog

What Community Banks Should Glean from the Fed's Stress Tests

The Federal Reserve announced last week that it was suspending stock repurchases and limiting the amount of dividends the largest banks can pay in the second quarter. The Fed made this decision after the large banks “passed” the...

News Alert: Examiners to Focus on Banks' Ability to Manage COVID-19 Risks

CEOs take note: Bank examiners will be looking at how well your management team has assessed risks from the COVID-19 environment, whether and how you have changed your business practices, and if you have addressed these changes...

Sleepless CEO Nights: Say Goodbye to Traditional Pricing Benchmarks

The last several months of the COVID-19 crisis have heaped an enormous and unexpected level of stress and complexity onto bank CEOs. Managing potentially serious credit problems with clients in various industries, learning to...

Updated: Additional Data Shows Most Banks Saying No to CBLR

As we told you last month, two out of every three community banks chose not to opt into the Community Bank Leverage Ratio. We've updated our numbers as more banks file their Call Reports, but the trend continues. The latest...

Podcast: Why Banks Should Know Their Margin of Safety During the COVID-19 Crisis

No one has a crystal ball that can predict when and how the economic fallout from the coronavirus will end. But community banks need a way to understand how their capital will fare as conditions change – and which loans they need...

The Shortfalls of Loan-Level CRE Stress Testing in a COVID-19 World

The coronavirus has presented the first threat to community banks since the 2008 financial crisis. For the first time, stress testing is a real exercise. What community banks across the country are discovering with dread right...

News Alert: Two out of Three Banks Say No to the Community Bank Leverage Ratio

Thanks, but no thanks: That’s the resounding message from community banks about the new community bank leverage ratio framework. Two out of every three banks chose not to opt into the new framework, according to an exclusive...

When the Hypothetical is Now: The Importance of Pandemic Stress Testing

After the 2008 Great Recession and prior to the coronavirus pandemic, regulators turned to stress testing to establish bank capital adequacy levels. The Federal Reserve established a program called the Comprehensive Capital...

Why Banks Need to Get Ahead of the COVID-19 Economy

The one thing we know about the future economic impact of COVID-19 is that we do not know what it will be. The internal optimist in all of us hopes that the lockdowns start to unwind, the economy quickly returns to business as...