Risk Management
Capital allocation, concentration analysis & interest rate stress scenarios
Total Risk Capital
$228M
↑+3.6%
Capital Ratio
10.86%
↑+0.16%
Risk Score
2.1 (Low)
↓-0.7
Stress Test Pass
Yes
↑All scenarios
Risk Capital Allocation ($M)
Breakdown by risk category contributing to total capital requirement
Concentration by Industry (%)
Loan portfolio exposure by industry sector
Real Estate
28%
Healthcare
18%
Manufacturing
14%
Retail
12%
Construction
10%
Professional Svcs
8%
Other
10%
Interest Rate Scenario Impact on NIM
Baseline (3.12%) with +100bps to +300bps stress band over 12 months
Baseline NIM
+100bps / +300bps Band