The Office of the Comptroller of the Currency (OCC) released its Semiannual Risk Perspective Report, which features expert analysis of data collected through March 31, 2018. The report presents data in five main areas: the operating environment, bank performance, special topics in emerging risk, trends in key risks, and supervisory actions. Trends in Credit Risk [...]

Effectively managing interest rate risk (IRR) is one of the most important and most challenging issues facing banks today. A shift in rates can compress margins and threaten the health of a bank’s balance sheet. Having a system that monitors and measures your potential exposure can limit interest rate risk in your institution and better [...]

Community banks are recommended to stress test for credit risks in their loan portfolios, especially if you have significant commercial real estate concentrations.  If your bank fails to do so at least annually, it is putting itself at risk of experiencing adverse outcomes. […]