2844 1st St. Costa Rosmerry CA 18221. United States

Determine the Levels of Capital Reserves that Correlate with Portfolio Risk

Community Banks and Credit Unions need to optimize their use of capital. Very often, due to internal constraints (risk management guidelines, historical data, risk analytic resources), many institutions lack the clarity or certainty on the level of reserve capital to hold that is aligned with the risk profile at their institutions. As a result, many of these institutions either hold excess capital reserves or are seriously under capitalized.

Our Capital Optimization Modeling Services assist financial institutions improve their understanding of the capital reserve levels that are best aligned with the historical risk trends in their portfolios. The potential benefits from our Capital Optimization Services are several:

  • Proactively identify potential capital shortfalls.
  • Free-up excess capital.
  • Improve the alignment of internal IRR management processes with an institution’s risk profile.
  • Estimate capital levels, leveraging an institution’s historical risk profile.

Bank Analytics

Leverage Predictive Analytics to grow market share, increase revenue and improve profitability.


Develop customized Predictive Models to analyze and forecast the decay and runoff rates of Non-Maturity Deposits across time.

Capital Adequacy

Develop Credit Risk Models and estimate optimal capital reserves that correlate with portfolio risk.

ALM Modeling

Measure the impact of changes in interest rates on NII, NEV, capital adequacy and profitability.

Increase Profits

  • Unleash the value
  • and opportunities hidden
  • in the data with
  • Predicitve Analytics.

Get More Customers

  • Acquire, retain and grow
  • profitable customer relationships
  • with data-driven
  • marketing decisions.

Manage Risk

  • Leverage Predictive Analytics
  • to proactively identify,
  • monitor, manage and control
  • balance sheet risks.

Our Approach

  • Start small and expand
  • capabilities driven by
  • success and performance
  • improvements.