Invictus Severe Stagflation Scenario
Early warning systems are great, but sometimes they need to be revisited to preserve their value. This is often the case with lending concentration limits as a percentage of capital...
23 June, 2022
Invictus Blog
Need to Raise a Concentration Limit? Here’s How to Do It (Properly)
Early warning systems are great, but sometimes they need to be revisited to preserve their value. This is often the case with lending concentration limits as a percentage of capital...
26 May, 2022
WARMing up to SCALE
Many small community banks have yet to make their final decision regarding CECL implementation. Although there are many potential solutions to calculating the ACL, small banks seem to gravitate toward...
26 May, 2022
Where Does Your AOCI Go Next?
We recently published a post by my partner, Adam Mustafa, noting that AFS bond portfolio losses across the industry reached record levels in the first quarter of 2022. While...
13 May, 2022
News Alert: The Bond Market Wiped out $36 billion of Capital from Community and Mid-Sized Banks in the First Quarter
The bond portfolios of community banks are on fire right now, in a very bad way. With 99 percent of community banks filing their first quarter call reports for...
06 May, 2022
What Community Banks Can Learn from the Fed’s Stress Test Scenarios (or Not)
Most community banks have barely gotten started down the CECL road as of mid-September 2021. The primary reason is simple. The individuals responsible for implementing CECL at your bank have...
11 February, 2022
The New Way to Manage Concentrations in a Post-Pandemic World
Concentration management is becoming a dynamic and data-driven process in the post-pandemic world. Community banks that have always managed their concentrations by simply throwing darts at a board will find...
15 October, 2021
A 15-Month CECL Playbook for 2023 Banks
Most community banks have barely gotten started down the CECL road as of mid-September 2021. The primary reason is simple. The individuals responsible for implementing CECL at your bank have...
23 September, 2021
The Evolving Role of Management and Directors in a Post-Pandemic World
Many community bankers and their boards are entering the post-pandemic world blindfolded. The pandemic had an uneven impact on industries within their geographic footprints, and there is no historical precedent...
14 September, 2021
10 Last-Minute Questions for 2023 CECL Banks to Ask Their Potential Vendor
The clock is starting to tick for community banks that must adopt the CECL standard by January 1, 2023. It’s mid-August and many banks still have not picked a software...
24 August, 2021