At ICBA Securities, we provide community bankers the tools to grow their investments.

Understanding the financial performance of your bank is crucial in leading a high performing organization. This seminar assesses how the marketplace is affecting the bank and how bank management is in turn responding. One must understand this relationship to create accurate financial statements.

By understanding the linkage between the bank balance sheet and income statement, monitoring key measurements in the bank as well as the decisions that management is making in response to the economic marketplace, we can effectively assess the strengths and weaknesses in our bank.

Once these interrelationships are understood, participants will walk through the CAMELS Rating to predict where their bank may score. Lastly, we will look at a way to create future budgets using the starting point of the Return on Assets.

This is a foundational class that does require experience in understanding financial statements, particularly experience in reviewing income statements, balance sheets and basic ratio analysis. It is most helpful for those either in bank management, on a bank board or aspiring to future leadership roles in the bank.

Learning Objectives:

• Complete a pre-session assignment that reviews your bank's financial statements to get a feel for the condition of the bank.
• Discuss the existing marketplace, and the impacts they are currently seeing, as well as management's approaches to addressing the impacts.
• Review the Balance Sheet and Income Statement of a bank to build an expectation of the interrelationships that exist in financial institution statements.
• Measure and set key financial statement ratios to assess the condition of the bank as well as to understand what decisions will be required to improve the performance of the bank.
• Apply information from the financial statements to build a CAMELS Rating for your bank
• Be exposed to building an annual budget with an ROA Tree model.

Master the necessary financial analysis skills needed by today's credit analysts and the additional expertise vital to a community bank's overall lending success..

Through group discussion, case studies, workout plans and more, our industry experts will teach you the most important skills needed to perform your duties and advance your career as a credit analyst.

To earn the Certified Community Bank Credit Analyst (CCBCA) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285.

Learning Objectives:

• Understand key functions such as financial analysis, overall business risk, and customer relationship needs.
• Be aware of legal landmines and exposures in your credit memo.
• Identify strategic strengths and weaknesses of a credit request.
• Enrich your understanding of covenant tracking and loan file documentation requirements.
• Learn to stay ahead of potential compliance exposures in your credit portfolio.
• Develop financial, analytical, and business writing skills.

Take your CRA expertise to the next level with this comprehensive, six-module seminar designed for professionals ready to build and maintain a best-in-class CRA strategy. 

You’ll dive into every critical component of CRA compliance—from understanding the “who, what, and why” of CRA to mastering assessment areas, capturing and reporting community development activities, conducting a peer analysis, performing self-assessments, developing performance context, and preparing for the exam. 

Through interactive discussions, case studies and practical tools, you’ll gain the knowledge and confidence to design a robust CRA program that meets regulatory expectations and drives meaningful community impact.

Many institutions enter audit season without a clear understanding of the issues most likely to surface, which makes preparation more difficult and outcomes less predictable. With audit season right around the corner, there is no better way to prepare than by learning from the most common findings identified in the previous cycle. This session reviews the top 10 findings across all payment channels and outlines practical steps your institution can take to prevent them.

For a deeper study of audit expectations, consider viewing our companion webinar, Preparing for a Payments Audit, which provides an overview of each payment channel's audit requirements and helps position your institution for a successful audit year.

Learning Objectives:

• Identify the top 10 issues uncovered in the previous audit season and understand their implications.
• Examine why these issues occur and how they impact compliance, operations, and risk management.
• Apply practical steps and best practices to strengthen internal controls and prepare effectively for upcoming audits.

Duration: 60 minutes

Presented live and recorded on 08/18/26.