Whether your bank's goal is to stay independent or pair with a strategic partner, The Travillian Group's Community Bank Strategy practice will carefully assist you in increasing your franchise's value.

Brett Rabatin, Head of Strategy, offers actionable, tactical advice to improve profitability and enhance long-term value.
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Loan Portfolio Review & Stress Testing

Are you highly confident credit losses will not lead to and expensive capital raise through a meaningful economic downturn? Is growth becoming more difficult without being a "price taker"?  ​​ 

Travillian runs loan portfolio stress tests to determine various scenarios that might lead to a capital deficiency, or the need to consider balance sheet/capital strategies to bolster regulatory
​ratios.  ​​

Get an outside perspective of the loan portfolio and review of concentrations and current opportunities from a business line perspective. Risk-adjusted lending yields relative to the industry are more important than ever. 

Capital Strategies & Analysis

Capital adequacy is important, but banking is a leveraged business. While a capital buffer is appropriate at times, do you know the highest IRR for excess capital?

Travillian runs share buyback analyses to consider payback periods, potential accretion to earnings, and the ramifications to shareholder liquidity. 

An outside view of M&A opportunities for an institution from a source not tied to a fee for success in deal completion.     ​

Let us review your capital situation relative to growth opportunities to improve earning power of the franchise. Investors (and merger partners) value excess capital dollar-for-dollar. 

Strategic Planning

Is your plan and path to do more of the same? Does your Board need help understanding the rapidly changing environment?

​Travillian can help in your longer-term strategic planning to increase franchise value. 

Board presentations to aid in decision making to execute strategies for the future.  

Organizational Assessment for Efficiency Improvement

Is growth in earning power too difficult because of revenue challenges? Would you like to improve the efficiency ratio? 

Travillian will “deconstruct” your bank to access assess areas of potential improvement. 

Overview of balance sheet, operational business lines, and redundancies that impede a lower efficiency ratio. 

Peer Review

Is your bank in the upper echelons of performance in all areas? Might there be opportunities to improve relative to the peer group? 

We can compare your metrics to your peers and pinpoint areas of deficiencies to focus on improvement.