Outsourced Stress Testing Services

For those institutions that prefer not to use their own stress testing tools, Ardmore Banking Advisors offers outsourced expertise to help meet management, board and regulatory expectations. We have been delivering industry-leading outsourced stress testing analysis and reporting to community banks since 2008.

If your institution lacks the data and resources to perform bottom-up stress testing, our top-down capital stress testing model provides a highly effective alternative to engage in industry-recognized stress testing best practices.

Our process and approach has been well received by state banking organizations and the OCC, FDIC, FFIEC and State Bank Examiners. We successfully link concentration analysis and stress scenarios based on local market credit conditions to create meaningful useful results.

Features

  • Combines both “ Bottom-Up ” concentration stress testing & “ Top-Down ” balance sheet capital stress testing
  • Includes assistance with creation of loan data file and a review of loan coding standards
  • Identifies concentrations that make up 60-80% of your portfolio
  • Determines appropriate stress test scenarios & parameters
  • Identifies missing data based upon bank concentration & stress model requirements

For a demonstration on how Ardmore can save your Bank time and effort, while meeting or exceeding your management, board and regulatory expectations for stress testing, please contact Peter Cherpack at pcherpack@ardmoreadvisors.com or 610-649-4643.