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...
Preparing for the Possibility of a Global Oil Shock and Stagflation Scenario
Author: Adam Mustafa CEO, Invictus Analytics
What happens when inflation reaccelerates from already elevated levels while economic growth slows?
This is the defining challenge behind Invictus Analytics’ latest Oil Price Shock...
Evaluating the CBLR at 8%: Should Your Bank Adopt it?
Author: Adam Mustafa, CEO, Invictus Analytics
Federal banking agencies recently finalized a rule lowering the Community Bank Leverage Ratio (CBLR) threshold from 9% to 8%, effective July 1, 2026. At first glance, the change...
Grossly Underdiscussed CECL Challenges
Now that most community banks have eight to ten quarters of CECL experience under their belts, many are still grappling with foundational issues such as overreliance on qualitative factors, lack of responsiveness to risk rating...
How Capital Requirements are Being Scaled Back for Community Banks Too
Author : Adam Mustafa, CEO, Invictus Analytics
Community banks now have the clearest path in nearly two decades to reshape their regulatory capital requirements—and they shouldn't miss it. While most recent efforts to ease...
Why Banks Should Consider Planning for a Trade War Recession Now
Author: Adam Mustafa, CEO, Invictus Analytics