CRB case studies
CRB · Put your knowledge to work in context.
The Certified Regulatory Banker (CRB) is an independent professional credential for bankers, compliance officers, and risk specialists who need a working command of the rules that govern banking. It is aimed at practitioners whose daily work touches supervisory expectations, capital, lending, financial crime, consumer protection, or regulatory reporting, and who want a structured way to demonstrate that knowledge. The CRB case studies are 5 cases and about 3,288 words.
1Acquisition, Distributions, and the CET1 MDA Trigger
Northbridge Bank is a 14.2 billion-asset regional bank in a Basel Committee member jurisdiction. It reports CET1 capital of 1.02 billion, Tier 1 capital of 1.18 billion, total capital of 1.41 billion, and risk-weighted assets (RWA) of 9.45 billion, a CET1 ratio of 10.8%.
644 words, about 3 min2Office Loan Modification, Classification, and Collateral-Dependent Reserves
Cedar Valley Bank has a 3.8 billion loan portfolio, including 620 million of commercial real estate (CRE), of which 310 million is office. One relationship is a 42 million office tower loan originated four years ago at 75% LTV and 1.35x DSCR.
651 words, about 3 min3MSB Customer, SAR Backlog, and a Board That Deferred Remediation
Lakeshore Community Bank ( 2.9 billion assets) banks QuickCash, a money services business (MSB) that transmits 180 million a year through 2,100 agents in 14 states. The bank's transaction monitoring system generates about 3,100 alerts per month.
684 words, about 3 min4Small Business Overrides, Vendor Models, and a High-Fee Overdraft Program
Riverside Bank ( 6.5 billion assets) offers small business lines of credit and auto loans. An internal review finds that in three majority-minority census tracts, the small business denial rate is 44%, compared with 23% elsewhere in the assessment area.
666 words, about 3 min5Deposit Run, HTM Losses, and the Contingency Funding Plan
Summit Bank ( 9.8 billion assets) holds 7.1 billion of deposits, 31% uninsured, and 1.3 billion of high-quality liquid assets (HQLA). Its LCR is 112% and NSFR 105%.
643 words, about 3 min