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Examined: Sat, 25 Apr 2026 19:37:20 GMT

CRE-Concentrated Community Bank

RSSD DEMO-003 · NY · Total assets $850M
Composite CAMELS
2
2 — Satisfactory
C
Capital
1
0 findings
A
Asset Quality
4
4 findings
M
Management
2
1 finding
E
Earnings
3
3 findings
L
Liquidity
3
2 findings
S
Sensitivity
1
0 findings
0
Critical
4
High
6
Moderate
0
Low
19
Procedures run

Findings

HIGH · Asset Quality Procedure A-02

ALLL coverage of NPLs below adequate level

Citation
ASC 326 (CECL); Interagency Policy Statement on the ACL (2020)
Evidence
ALLL covers only 51.89% of nonperforming loans
Recommended action
Reassess Q-factors and forecast assumptions; document directorate review of CECL methodology this quarter.
HIGH · Asset Quality Procedure A-03

CRE concentration exceeds 300% threshold

Citation
Interagency Guidance on CRE Concentrations (Dec 2006); SR 07-1
Evidence
Total CRE represents 387.85% of capital + ALLL (threshold: 300%)
Recommended action
Heightened risk-management practices required: portfolio stress testing, MIS, sub-limits, and board-approved risk appetite.
HIGH · Asset Quality Procedure A-04

Construction concentration exceeds 100% threshold

Citation
Interagency Guidance on CRE Concentrations (Dec 2006)
Evidence
Construction loans are 112.15% of capital + ALLL (threshold: 100%)
Recommended action
Document concentration risk management framework; provide vintage analysis and absorption assumptions.
HIGH · Liquidity Procedure L-01

Loans exceed deposits — wholesale funding dependency

Citation
Interagency Policy Statement on Funding and Liquidity Risk Management (2010)
Evidence
Loans/Deposits 107.84%
Recommended action
Provide contingency funding plan with playbook triggers; quantify uninsured-deposit runoff under stress.
MODERATE · Asset Quality Procedure A-01

NPL ratio above peer median

Citation
OCC Handbook "Rating Credit Risk"
Evidence
NPL ratio 2.80% above peer median
Recommended action
Provide watch-list aging and root-cause memo for new nonaccruals this quarter.
MODERATE · Management Procedure M-01

Multiple risk thresholds breached without documented escalation

Citation
SR 16-11 Heightened Standards; OCC 12 CFR Part 30 Appendix D
Evidence
Concentration and/or funding limits exceeded simultaneously
Recommended action
Provide board minutes evidencing risk-appetite review and escalation; update Risk Appetite Statement.
MODERATE · Earnings Procedure E-01

ROA below peer median

Citation
OCC Handbook "Earnings"
Evidence
Annualized ROA 0.26% below typical peer 0.9–1.1%
Recommended action
Document NIM compression drivers and noninterest income strategy.
MODERATE · Earnings Procedure E-02

NIM compression

Citation
FFIEC UBPR §IV; OCC Handbook "Interest Rate Risk"
Evidence
NIM 2.40%
Recommended action
Provide deposit beta analysis and asset-repricing schedule for next 12 months.
MODERATE · Earnings Procedure E-03

Efficiency ratio elevated

Citation
FFIEC UBPR §IV
Evidence
Efficiency ratio 82.41%
Recommended action
Provide expense rationalization plan; benchmark vs peer cost-to-asset ratio.
MODERATE · Liquidity Procedure L-04

Liquid asset ratio below comfort floor

Citation
FFIEC Liquidity Handbook
Evidence
Liquid assets 5.65% of total assets
Recommended action
Provide intraday liquidity report and unencumbered HQLA inventory.

Key ratios computed

Tier 1 ratio
11.01%
Tier 1 leverage
8.94%
Total capital
12.75%
NPL ratio
2.80%
ACL coverage
51.89%
CRE concentration
387.85%
Construction conc.
112.15%
ROA (annualized)
0.26%
NIM
2.40%
Efficiency ratio
82.41%
Loans / Deposits
107.84%
Brokered / Deposits
14.38%
Uninsured / Deposits
32.35%
Liquid asset ratio
5.65%
HTM loss / Tier 1
6.84%
Asset growth YoY
11.00%

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