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...
Why Banks Should Consider Planning for a Trade War Recession Now
Author: Adam Mustafa, CEO, Invictus Analytics
What Banks Should Know About Tariffs and the Economy in 2025
Why Jill Cetina’s latest presentation is a must-read for bankers
Amid rising economic uncertainty and market volatility, Jill Cetina—banking expert, economist, and faculty member of the Certificate of Bank Treasury Risk...
American Banker Quotes Invictus CEO on Top CRE Risk Concerns
The commercial real estate (CRE) sector continues to present significant challenges for banks, especially as economic uncertainties mount.A recent article by American Banker, titled Three Key Factors as Banks Manage CRE Risk in...
Unlock Growth Potential with Smarter CRE Concentration Management
Commercial Real Estate (CRE) lending can be a powerful growth engine for banks—but only when managed strategically. Many banks limit their expansion due to outdated, one-size-fits-all concentration policies that don’t account for...
Why the Worst Loans Are Made in the Best Times: Lessons from Banking History
Author: Adam Mustafa, President
One of the most critical principles in banking is that the worst loans are often made in the best of times. This paradox underscores how economic conditions at the time of a loan's origination can...
Know Your Limits
Author: Adam Mustafa, President
When it comes to managing capital and risk, knowing your limits isn't just about staying within regulatory boundaries—it's about understanding your bank's strengths and leveraging them for...