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The banking industry is unique in the amount of regulatory scrutiny it is subject to, much of which is in the form of self-reporting. Since legislation was passed in 1975 in response to the failure of two federally chartered institutions (United States National Bank and Franklin National Bank), every national bank, state bank, federal savings

  Advanced Data Analysis Helps Connect the Dots to Highlight the Nation’s Top Performing Community Banks In partnership with our parent company, OTC Markets Group, Qaravan assists stakeholders across the banking sector in simplifying, customizing and, automating the task of analyzing information from Reports of Condition and Income (Call Reports) and Uniform Bank Performance Reports

The Genesis/Birth of CECL After the 2008 financial crisis, much of the focus on the regulation of financial institutions shifted to mitigating systemic risk. This included an increased focus on stress testing and the recapitalization of institutions—both intended to help ensure solvency and insulate the global economy from further erosion. Fast forward to 2016 and

The Genesis/Birth of CECL After the 2008 financial crisis, much of the focus on the regulation of financial institutions shifted to mitigating systemic risk. This included an increased focus on stress testing and the recapitalization of institutions—both intended to help ensure solvency and insulate the global economy from further erosion. Fast forward to 2016 and

Last month, I became buried in a multi-day Google binge; combing the web for things like “CECL Prep”, “CECL Requirements”, and “CECL Implementation”. I finally understand the Socratic Paradox. A few thousand years ago, during a conversation with some guy in the neighborhood, Socrates concluded that neither of the men knew anything (they were talking

A couple of months before we launched, I began calling on some colleagues in the bank software sector to try to drum up some new partnerships.  My first call was to a friend who made a pretty healthy living selling an outdated call report analysis tool (something he built around 10-15 years ago). It seemed

In the last few months, I’ve come across about a dozen Commercial Real Estate articles with panic-inducing headlines. If I understand the consensus, it seems we’re just minutes away from global calamity and CRE is “the next big short” (as one Forbes article puts it). I’m equal parts optimist and skeptic, so I had to