Since the 2008 financial crisis, the FDIC has mandated that banks holding over $10 billion in assets must have robust stress-testing practices in place to prove they are prepared for risk. The stress-testing requirement has started to trickle down to banks with fewer...

FDIC stress testing regulations affect banks that hold over $10 billion in assets. Yet if you think your community bank is immune from having to put stress-testing measures in place since you hold fewer than $10 billion in assets, think again. The reality is that...

Currently, banks with over $10 billion in assets are required by the FDIC to complete stress testing. If you are part of a community bank or credit union, there are still many benefits to voluntary stress testing. Data suggests that as much as 40% of banks and credit...

Legislation from the Supervisory Capital Assessment Program were enacted in good faith as a way to decrease financial instability in the market. As you are aware, the regulatory efforts have made it considerably harder for local banks and credit unions to operate...

The OCC stresses that a solid commercial real estate (CRE) lending program must have sufficient levels of available capital as well as sound risk management standards. While individual loans carry an inherent risk, CREs expose financial institutions to an additional...