abrigo.com CHALLENGE Stress testing is widely discussed in banking, and First City Bank in Columbus, Ohio, wanted to stay ahead of the curve. Regulations have not required stress testing for banks of First City Bank’s size at this point; however, management at the bank anticipated requirements were coming and wanted to be forward-looking, especially given the uncertainty in the economy and the portfolio’s heavy concentration in CRE loans. SOLUTION First City Bank purchased Abrigo Stress Testing to better understand and proactively manage its risk. Management, including Jim Bush, Vice President at First City Bank, now uses Abrigo Stress Testing to 1) stress individual loans at the time of underwriting and annually for loan review and 2) stress its CRE portfolio. Jim a

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