Charter Bank Eau Claire Ranked in the
2012 Top 15th Percentile of Community Banks
Seifried & Brew LLC, a community bank risk management firm, named Charter Bank Eau Claire in its 2012 Top 15th Percentile of Community Banks. To gain entry into this distinguished ranking, the Bank demonstrated exemplary performance of balancing risk and reward based on the Bank’s S&B Total Risk/Return Composite Ranking. This is no small feat considering that the Bank not only survived the Financial Crises but actually thrived. This supports Seifried & Brew’s belief that conservative, traditional community banking is the strength of our financial system.
In S&B’s book, The Art of Capital Planning – The “How-To” Guide, the authors clearly demonstrate that the different between the banks that failed and those that survived the Financial Crisis, or even those that prospered, was each bank’s ability to optimize risk. While the word “optimize” sounds incongruous with the threats of risk, the truth is that community banks make money from managed risk. Those banks ranking in the 2012 S&B Top 15th Percentile of Community Banks epitomize such optimization of managed risk.