15 Sep Community Bank Climate Risk Analytics: A Case Study
When extreme weather hits, community banks are at risk more often than the largest banks, especially when it comes to floods, the New York State Department of Financial Services warned...
Invictus Intel Blog
Our Blog 
15 Aug Examiners Renew CRE Concentration Focus
Bank regulators are getting serious about CRE concentrations again. The Summer 2022 issue of the FDIC’s Supervisory Insights issues a harsh warning to banks with CRE concentrations about getting...
06 Jul How to Prepare for Climate Risk Management
A Commodity Futures Trading Commission subcommittee in 2020 singled out community banks as being especially vulnerable to climate change physical risks because of their concentrations in commercial real estate....
06 Jul Invictus Names Head of Climate Risk Analytics
The Invictus Group has named Avik Ray as director of its new climate risk division. Ray will be responsible for the development of analytics to help community banks navigate expected...
06 Jul Invictus Creates New Climate Risk Division
The Invictus Group has created a new climate risk analytical division to help community banks. “Our company, which cemented its reputation in stress testing before it became a bank standard,...
23 Jun Invictus Severe Stagflation Scenario
The Invictus Severe Stagflation scenario tests conditions under the simultaneous occurrence of a severe global recession and aggressive monetary policy that includes rapid and substantial increases in the Fed Funds...
26 May 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 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...
13 May 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...
06 May 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...