Invictus Tariff and Trade War Recession Scenario
The Invictus Tariff and Trade War Recession 2.0 scenario (updated August 19, 2025) is intended to reflect (but not predict) a tail-risk outcome for the U.S. economy, driven by...
The Invictus Partner Program ensures that you will get unlimited consulting support for any of your capital stress testing questions. With the Invictus Capital Stress Testing service, our analysts are your analysts.
BankGenome™ Data As A Service (DAAS) provides financial institutions with access to Invictus's proprietary loan-level database, enabling them to develop customized models and derive valuable business insights. Clients can leverage the same comprehensive data that powers our own advanced models to innovate and achieve their unique objectives.
Our one-of-a-kind data sharing service empowers community and regional banks with access to the exclusive BankGenome™ dataset. This proprietary resource aggregates unique information from participating institutions, offering insights you won't find anywhere else. Enhance your ability to make informed, effective lending decisions with data available only through BankGenome™. Join a network of forward-thinking lenders and unlock the full potential of your data to drive success in today's competitive landscape.
The structured nature of public data in the financial industry offers a significant advantage for data analysis. BankGenome™ DAAS enhances this by integrating our proprietary dataset with publicly available call report information, delivering a comprehensive service for financial analysis and modeling.
Discover the extensive range of data items available in our dataset. We offer structured queries for common inquiries, as well as expanded access for institutions interested in building and training their own models.
We utilize BankGenome™ to drive all of our analytics. Explore how we assess bank capital using historical default-level data!
Invictus has over 50 years of combined expertise in the area of capital stress testing - let us put that experience to work for you:
Adam Mustafa
President & CEO
Guy LeBlanc
President, BankGenome Analytics
Call report information has aggregated information on losses and yields by loan category - all of which is incredibly useful! However, BankGenome™ contains default and loss level information on an even more granular basis - including regionally and at an industry level. In general, all of the information is much more granular and easier to customize.
CECL Trends, CECL, community bank regulations, community banks, CECL Modeling, acl challenges, bank regulatory compliance, advanced cecl
Now that most community banks have eight to ten quarters of CECL experience under their belts, many are still grappling with foundational issues such as overreliance on qualitative factors, lack of responsiveness to risk rating...
capital planning, community bank regulations, Deregulation, bank strategy, community banks, regulatory capital, bank growth strategy, cre risk
Author : Adam Mustafa, CEO, Invictus Analytics
Community banks now have the clearest path in nearly two decades to reshape their regulatory capital requirements—and they shouldn't miss it. While most recent efforts to ease...