Latest Content

Bankers Should Focus on Five Loan Characteristics to Assess Risk from COVID-19 Economy

Many community banks have been in touch with their borrowers to assess their financial condition during this precarious economic environment. Bankers are also segmenting their portfolios based on some of the most affected industries, including restaurants, hotels, retail, manufacturing, and others. But there are other ...
Read More
/ Intel, Invictus Blog

The Hidden “Surcharge” Embedded in the CBLR

By Adam Mustafa, Invictus Group CEO The Federal Reserve approved a simplification of the capital rules for the large banks on March 4, which coincided with the beginnings of the collapse in financial markets due to COVID-19. So, what does this have to do with ...
Read More

Should Community Banks Consider the CBLR at 8 Percent?

By Adam Mustafa, Invictus Group CEO Under the CARES Act signed into law by President Trump last month, the Community Bank Leverage Ratio CBLR) threshold temporarily drops from 9 percent to 8 percent until the earlier of December 31, 2020 or the date on which ...
Read More

Community Banks Need Stress Testing Now More than Ever: Invictus Webinar

Stress testing is an essential tool for community banks that want to navigate the COVID-19 economy safely and position their banks for opportunities down the road, Invictus CEO Adam Mustafa said on an April 15 webinar attended by 75 banks, accountants, consultants and bank examiners ...
Read More
/ Intel, Invictus Blog

COVID-19 and Your ALLL: Now What?

By Guy LeBlanc, Invictus Director of Client Analytics Community banks can no longer estimate their loan loss reserves the way they did before the coronavirus upended the global economy. But there’s a solution, as this article explains. Think back to January. Your bank had finished ...
Read More
/ Intel, Invictus Blog

ZIRP, NIRP and QE(n) – Here we go again*

By Leonard J. DeRoma, Invictus Group Director of Liquidity Analytics The unprecedented economic implications of the coronavirus has led the Federal Reserve to embark on a path that even just a few short years ago would have been completely unimaginable. The moves include a drastic ...
Read More
/ Intel, Invictus Blog, Uncategorized

Free On-Demand Webinar: Why Community Banks Need Stress Testing Now More than Ever

Invictus Group CEO Adam Mustafa presented a complimentary webinar at 1 p.m. EST on Wednesday, April 15 explaining Why Community Bank CEOs Need Stress Testing Now More than Ever. This one-hour webinar will show you how to plan for the worst, while positioning your bank to take ...
Read More
/ Intel, Invictus Blog

Coronavirus Relief Bill Lowers Community Bank Leverage Ratio, Delays CECL for All Banks

The final version of the $2.2 trillion coronavirus relief bill passed by the U.S. Senate would make life easier for community banks this year. The bill temporarily lowers the community bank leverage ratio to 8 percent and postpones the new accounting standards known as CECL ...
Read More

How Does COVID-19 Affect the Looming Community Bank Leverage Ratio Decision?

By Adam Mustafa, Invictus Group CEO The decision on whether to opt into the new Community Bank Leverage Ratio (CBLR) feels trivial right now. The immediate focus of every community bank in the country needs to be on the safety and economic well-being of their ...
Read More

Don’t Despair: Factors that Position Community Banks to Safely Navigate the Crisis

By Adam Mustafa, Invictus Group CEO Make no mistake: We are entering economic times that will challenge us all. But community bankers must realize – not just for financial and strategic reasons, but for psychological ones, as well – that they are better positioned to ...
Read More
/ Intel, Invictus Blog