13 Sep Deposits Becoming a Zero-Sum Game for Community Banks
The growing deposit crisis for community banks is not going away. The problem is a strategic issue—and easy money policies only buy banks time, they don’t solve the dilemma. Invictus...
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14 Jun Deposit Wars: A Breakdown of Key Trends in the First Quarter of 2019
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...
05 Jun When it Comes to Valuation, it’s the Quality of Your Bank Earnings that Count
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...
29 Mar A New Kind of Relationship Banking
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...
16 Mar Community Banks to Face Increasing Problems from Deposits, Study Finds
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...
01 Feb The Deposit Focus at AOBA: What’s Missing from the Conversation
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...
24 Jan You’ve Been WARMED: Why SEC Filers Should be Leery of the WARM Method for CECL
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...
10 Nov Solving the Deposit Dilemma with M&A: ABA Presentation
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....
17 Sep Regulatory Statement Offers Good News for Banks with CRE Concentrations
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...
24 Aug BankDirector Cites Invictus Chair in Special M&A Issue
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...