We partner with banks and credit unions to build powerful Fortress Balance Sheets™ — a strategic framework designed to help institutions survive economic downturns and thrive in times of prosperity.
As a result, firms with Fortress Balance Sheets™ consistently demonstrate best-in-class fundamentals: growing capital, retaining earnings and increasing market share at the highest rates in the industry.
APPROACH
The Fortress Balance Sheet™ framework analyzes an institution’s ability to cultivate revenue from disciplined portfolio management, maintain operational efficiency and retain earnings in order to strengthen their capital foundation.
1 — Porfolio Management
The Fortress base consists of a well managed portfolio of income producing products and a strong capital foundation.
2 — REVENUE CULTIVATION
At the heart of the Fortress is an ability to convert portfolios into spread income and generate revenue from noninterest sources.
3 — OPERATIONAL EFFICIENCY
The Fortress mentality includes a regular and rigorous review of overhead expenses and productivity measurement.
4 — EARNINGS RETENTION
At the top of every Fortress is a business that generates income on its assets and returns earnings to its equity base.
5 — CAPITAL BUILDING
The rewards of disciplined portfolio management and operational efficiency bolster a Fortress grounded in liquidity and capitalization controls.