Latest Content

How to Keep Your M&A Deals Alive During COVID-19

As the COVID-19 pandemic keeps the global economy in shackles, most community banks are not focused on strategic initiatives like M&A. However, there are two camps of banks that must think about M&A during the pandemic: those that completed deals in the last 6 to ...
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/ Intel, Invictus Blog

Beyond Loan Modifications and PPP: What Lenders Should be Doing with Vulnerable Borrowers

By Adam Mustafa, Invictus Group CEO During our recent COVID-19 stress testing webinar, I discussed how one of the primary goals of stress testing is to rank your loans based on their capital at risk as measured by the stress test.  Community banks can then ...
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/ Intel, Invictus Blog

Projecting Interest Income Needs New Approach in Pandemic Economy

COVID-19 may be as contagious economically as it is medically. Community banks, whose lifeblood is interest income, have significant exposure to companies that have been hit particularly hard. They face the question of how to best react as we sail into uncharted waters. Any forecasts ...
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/ Intel, Invictus Blog

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 ...
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/ 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 ...
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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 ...
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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 ...
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/ 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 ...
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/ 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 ...
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/ 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 ...
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/ Intel, Invictus Blog, Most Read