OUTSOURCED STRESS TESTING

 

According to a recent survey conducted by the Risk Management Association, 80% of community bankers highlighted stress testing of their CRE and C& I portfolios as a main focus of regulators in the Enterprise Risk Management process.

Community bankers must be able to show regulators that they are proactively managing their CRE/C&I risk, and they can, using  Ardmore’s comprehensive stress testing analysis service. The board-ready final report provided after testing meets or exceeds all regulatory expectations for community banks. 

Ardmore is considered a national thought leader in community bank stress testing.  We were first to market in 2008 with a community bank stress testing software solution that has served many banks nationwide and had its methodology presented to most of the major regulatory agencies,

Using either "Bottom-Up" concentration testing or “Top-Down” balance sheet capital testing, our independent credit experts stress the concentrations in your  CRE/C&I portfolios for you using our proprietary solution and analyze the impact of market stress on credit and capital metrics.  We use several methods:

 

 

 

All of the supporting reports and exhibits used in the analysis are part of this service.  

 

For more information on how Ardmore can assist your bank in performing the stress tests necessary to satisfy regulators and insulate your portfolios from risk, please contact us today.  

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  • Appraisal Shock