| Data source | Automated portfolio stress test |
Loan-level stress test |
|---|---|---|
| Data & inputs | Public Call report data. No submission required. | Private Institution's own loan-level data required. |
| Implementation effort | Low Self-service, same-day setup. | Moderate Managed engagement, working sessions required. |
| Delivery model | Software platform, self-directed. | Guided service, team-led. |
| Depth of analysis | Portfolio-wide, segmented by loan type and geography | Borrower-level, individual credit assumptions documented. |
| Examiner defensibility | Baseline Satisfies routine and standard exam expectations. | High Built for detailed examiner scrutiny |
| Maintenance | Ongoing, re-run independently | Periodic, re-engaged as needed. |
| Best for | Routine monitoring, board reporting, baseline exam readiness | Regulatory findings, high concentrations, elevated scrutiny |