By Adam Mustafa, President & CEO Deposit growth in the banking industry has become a zero-sum game for all intents and purposes. Several months ago we published a white paper that...
By Andrew O’Keefe The quality of a bank's earnings has an overlooked impact on valuation, according to an Invictus Group analysis of publicly traded bank stocks. We all know that trading...
By Guy LeBlanc A hundred years ago, community banks relied almost entirely on relationship banking. Lenders knew the borrower personally, which provided a unique customer experience, allowing each bank to carve...
By Lisa Getter The deposit problems already plaguing community banks are not going away. And they may be even more serious than anticipated, according to Deposit Dilemma: 10 Interesting and Surprising...
Bank Director’s 25th Acquired or Be Acquired conference concluded on Tuesday in Phoenix. Invictus was proud to again be a sponsor and presenter at the event, which gathered over 1,300...
Earlier this month, FASB published a Q&A related to the applicability of the Weighted Average Remaining Maturity (WARM) Method for CECL compliance. This method is widely considered to be the...
There’s only one true way to solve the deposit dilemma and other balance sheet challenges facing community banks as interest rates rise and QE unwinds: a targeted merger or acquisition....
The interagency statement from bank regulators makes clear that guidance is not the same as regulations or laws. Note to banks with high CRE concentrations and a solid plan to manage...
Most banks are using inadequate tools to analyze potential M&A deals, Invictus Chairman Kamal Mustafa says in the August issue of BankDirector. In the article, "Pitfalls of M&A", Mustafa advises banks to...
The vast majority of community banks would be severely damaged by a community bank leverage ratio requirement of 9 or 10 percent, an Invictus study has found. More than 82...
