Author: Patti Casaleggio, Invictus Analytics
As regulatory scrutiny and expectations around commercial real estate (CRE) continue to evolve, staying ahead of supervisory trends has never been more critical for community and...


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.
banking, Capital Plan for Community Banks, Community Banks Capital Plan, capital planning, liquidity, stress testing, Trade War Recession, Capital Requirements for community banks, community bank regulations, Global Oil Shock, Stagflation, Banking CRE, Banking Construction, Concentration Limits, CRE Banking Strategies
Author: Patti Casaleggio, Invictus Analytics
As regulatory scrutiny and expectations around commercial real estate (CRE) continue to evolve, staying ahead of supervisory trends has never been more critical for community and...
banking, Capital Plan for Community Banks, Community Banks Capital Plan, capital planning, liquidity, stress testing, Trade War Recession, Capital Requirements for community banks, community bank regulations, Global Oil Shock, Stagflation
Author: Adam Mustafa CEO, Invictus Analytics
What happens when inflation reaccelerates from already elevated levels while economic growth slows?
This is the defining challenge behind Invictus Analytics’ latest Oil Price Shock...
banking, Capital Plan for Community Banks, Community Banks Capital Plan, capital planning, liquidity, stress testing, Trade War Recession, Capital Requirements for community banks, community bank regulations, cblr
Author: Adam Mustafa, CEO, Invictus Analytics
Federal banking agencies recently finalized a rule lowering the Community Bank Leverage Ratio (CBLR) threshold from 9% to 8%, effective July 1, 2026. At first glance, the change...