Insights — Collins Fraiman

Liquidity

Liquidity Stress Testing Best Practices

Building a robust ILST framework for community, regional and mid-size banks — from scenario design and behavioural assumptions to governance and board reporting.

Liquidity

Lessons from the 2023 Banking Stress Events

What the failures of SVB, Signature Bank and First Republic revealed about liquidity risk management — and the lasting implications for supervisory expectations.

Capital

The Community Bank Leverage Ratio: What to Weigh Before Opting In

The choice between CBLR and traditional risk-based capital is a strategic balance sheet decision — what community banks should model before making the switch following the July 2026 rule change.

Interest Rate Risk

Deposit Behavioural Modelling in a Changing Rate Environment

How shifting deposit behaviour is challenging existing models — rising betas, digital switching and the SVB lesson — and what banks should do differently.

Regulatory

Fed Examination Themes for 2026

The most significant recalibration of Federal Reserve examination practice in years — what the SSOP reforms, MRA/MRIA cleanup and new supervisory philosophy mean for banks.

Regulatory

OCC Examination Themes for 2026

The OCC is replacing fixed-frequency examination requirements with risk-based discretion — while maintaining focused scrutiny on credit, cyber and BSA/AML risk.

Regulatory

The GENIUS Act: Strategic Implications for Community, Regional and Midsize Banks

The first comprehensive federal stablecoin framework — what it means for deposit competition, payment infrastructure and the strategic choices facing community, regional and midsize banks.

Perspectives on Balance Sheet Risk

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