Bank Risk Matrix

Welcome to BankRisk Matrix

BankRisk Matrix specializes in providing cost effective Interest Rate Risk Validation services to Community Banks located in the Southeastern USA.

About Us

J. Ken Walters, Founder/Principal of BankRisk Matrix, LLC is a Subject Matter Expert on Identification, Measurement, Monitoring and Control of Interest Rate Risk in Community Banks. Mr. Walters has advised community banks and bankers for 40+ years from the unique perspective of a scientist, engineer, banker and entrepreneur.

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Learn About our Services

Annual Full-Scope IRR Validation

The Full-Scope Interest Rate Risk Validation service is designed to provide full compliance with the 1996 and 2010 Joint Agency Guidance on the Management of Interest Rate Risk and the 2012 Interagency Advisory on Interest Rate Risk Management FAQ.

The depth and extent of our validation process is consistent with the materiality and complexity of the interest rate risk

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Limited-Scope Interest Rate Risk Validation

The Limited-Scope Interest Rate Risk Validation service is provided to clients who desire more frequent benchmarking of their Interest Rate Risk measurement system.

This service is available 4 times a year and uses data as of the end of each call report quarter. This report is prepared using one of our benchmark models. The report includes shocked Earnings at Risk for Year 1

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IRR Profile Determination & Model Selection

"BankRisk will perform an Interest Rate Risk Profile Analysis and will provide guidance on selecting a model appropriate for the Bank's current and anticipated interest rate risk profile".

BankRisk is familiar with a number of models currently utilized in the community bank marketplace through its validation practice. BankRisk has no affiliation with any model

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Education & Training

BankRisk can tailor a package of custom educational activities for ALCO, Board of Directors and Executive Management. These educational activities can be delivered on-site, via video conference cals or audio conference calls. In additions educational materials are available on BankRisk's website which allow each Borad Member or Executive to learn at his/her own pace.

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