Insights for Smarter Lending Decisions — Articles, News, and Thought Leadership.

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...