Portfolio Stress Tests provide a bottom-up, loan-level analysis to forecast defensible loss projections, so you can improve your capital planning, lending strategies, and growth plans.
CFO
Cornhusker Bank
President & CEO
Thayer County Bank
CFO
Cornhusker Bank
President & CEO
Thayer County Bank
By modeling losses and capital impact in advance, you gain the clarity needed to adjust concentrations, strengthen reserves, and demonstrate sound oversight to regulators and your board.
See quantified loss and concentration exposure under adverse conditions.
Gain transparent analysis aligned to regulatory expectations.
Catch potential losses early, before they appear in performance data.
OptimaFI offers three engagement models so you can choose the level of support and sophistication that fits your institution — from quick, portfolio-level scenarios to loan-level analysis with expert guidance.
Use stress test software to run your own stress scenarios. Available out of the box alongside call report insights.
Pair automated modeling with specialist support to interpret results and prepare for exams or board discussions.
Access granular PD/LGD analysis, tailored scenarios, and examiner-ready documentation delivered by credit specialists.
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Where traditional stress testing is slow, costly, and disconnected from your actual portfolio, OptimaFI stress tests use Call Report data or your loan-level files to align analyses to your current exposures. Loan-level engagements apply PD/LGD assumptions; portfolio-level scenarios leverage standardized models built from 12B+ normative data points gathered from 2,500+ institutions.
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OptimaFI runs scenarios tailored to your concentrations — CRE, C&I, ag, or others. These scenarios evaluate how adverse conditions would affect loss severity, segment performance, and key risk indicators.
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Results show projected losses, segment sensitivities, and capital effects in a format aligned with examiner and board expectations. Depending on your chosen path, outputs range from automated dashboards to fully documented, specialist-led reports.
OptimaFI provides standardized, portfolio-level scenarios that can be run and rerun with the same underlying logic, giving you a stable framework for monitoring emerging risk.
Scenario inputs are anchored to your loan-level data, ensuring the modeling reflects concentrations, performance patterns, and CECL-aligned metrics already used in your credit framework.
Give examiners clean, defensible documentation with transparent assumptions, loan-level audit trails, and repeatable workflows that cut weeks out of exam prep.
OptimaFI credit stress tests are incredibly affordable. OptimaFI offers automated portfolio-level software solutions and custom, granular loan-level solutions, which are quoted depending on complexity. An OptimaFI credit specialist can help you determine which is best for your institution.
Most institutions receive complete, examiner-ready stress test results within 10 business days of providing their portfolio file, though the exact time may vary depending on portfolio depth and complexity. For most community banks and credit unions, this cuts weeks out of exam prep.
You’ll only need to provide a standard loan portfolio export from your core or LOS — typically the same fields you already use for internal reporting. No historical loss studies or system integrations are required.
Yes. Scenarios can be tailored to your concentrations — such as CRE, C&I, or ag lending — and adjusted to reflect the levels of stress most relevant to your institution.
OptimaFI’s credit stress tests combine the best of both worlds: the analysis and modeling are handled by credit specialists who leverage banker-built technology to deliver clear, defensible results without requiring internal model development. Your results are delivered through a secure, cloud-based portal.
IntelliCredit is now part of OptimaFI. The same credit stress testing expertise, methodology, and tooling developed under the IntelliCredit brand continues to power the solution — now as part of OptimaFI’s broader credit risk and analytics platform. All existing stress testing capabilities, workflows, and reporting remain fully supported.
