Risk & Compliance Analytics

Executive Summary

January 2026 • Regulatory Compliance Report

BSA/AML Compliance
89%
Below 95% target
Capital Status
10.2%
Well-Capitalized
High Severity Alerts
1
Requires attention

CAMEL Component Ratings

1
Capital
2
Asset Quality
2
Management
2
Earnings
2
Liquidity
2
Sensitivity
2
Composite

Key Insights

Well-Capitalized Status — 10.2% net worth ratio exceeds 7% well-capitalized threshold
Credit Quality Strong — 0.87% delinquency rate within acceptable range
BSA Activity — 1 SAR(s) filed this period — review for patterns
Open Examination Findings — 3 unresolved finding(s) require management response

Pending Decisions (2)

BSA/AML Alert Response
Unusual transaction pattern in 3 business accounts - $487,000 in wire transfers over 5 days
Regulatory Filing
Call Report 5300 due in 5 days - Q4 2025 filing

Priority Actions

1
Review BSA/AML Activity
1 SAR(s) filed — investigate underlying transaction patterns.
Expected Impact: Regulatory compliance and risk mitigation
2
Resolve Open Findings
3 open finding(s) — develop corrective action plans.
Expected Impact: Improved examination rating
3
Address Rising Delinquencies
Delinquency ratio at 0.87% — review collection strategies.
Expected Impact: Reduce charge-offs and improve asset quality

Decision Pipeline Status

3
Total Decisions
2
Pending
1
Resolved
%
SLA Compliance