Stress Test

Using Stress Test to Leverage your Balance Sheet

January 22, 2018 - By: Tags: , , , , , , , , -

In our current environment of heightened regulatory scrutiny on construction and development lending, one ought to be thinking about key elements of your construction portfolio and how it supports growth and aligns with your business objectives. If your construction loan portfolio is approaching or has grown over 100% of capital, then it is likely you will be subject to increased scrutiny from your regulators. An expert third-party validation can help you execute your strategy and achieve your goals.

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How Massachusetts Banks Have Grown in Commercial Lending Over the Past Year

October 16, 2017 - By:

In order to understand where your institution fits in the competitive commercial lending marketplace, peer analysis and the periodic measurement of industry trends is a must. As we consider it one of Cobblestone’s primary missions to help financial institutions remain informed, we did some number-crunching on your behalf to determine annualized commercial lending trends up to Q2 2017.

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Regulators Outline Priority List for 2017 Safety and Soundness Exams

September 20, 2017 - By: Tags: , , -

The OCC, which has been at the forefront of regulatory scrutiny of community banks, outlined its operating plan and list of priorities for its examiners in 2017. Specific to its review of commercial lending activities within community banks, the OCC operating plan highlighted credit underwriting as a major area of focus.

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