Bank & Credit Union Insights

John Demeritt

Aug 27

Credit & Capital Stress Testing: Three Reasons Why Now Is the Time

It is more important now than ever before to stress test before the next crisis hits and options for remediation become even more limited.

John Demeritt

Apr 8

Debunking 5 Credit & Capital Stress Testing Myths

When it comes to why they’re not performing credit/capital stress testing, institutions generally share five common objections.

Jeff Reynolds

May 4, 2023

Matlock Looks at SVB and ALCO

A lot has been made of the loss position in SVB’s bond portfolio. Per the year-end call report, losses in Held to Maturity...

John Demeritt

Nov 10, 2022

Asset Quality, Earnings, and Capital, Oh My!

How will the recession impact your institution? Particularly in these volatile economic times, stress testing can help drive an answer.

John Demeritt

Aug 8, 2022

Bracing for the "Ripple Effect"

Critical Risk Management Action Items for Asset Quality, Earnings, & Capital. In recent weeks, regulators have signaled concern at levels...

John Demeritt

May 10, 2022

Inflation: Three Outcomes that Could Test Capital Resiliency

Leverage and net worth ratios have declined, on average, by over 1% since the onset of the pandemic, driven by inflated balance sheets...

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