OMB Individually Reported
Risk Rating Model – Community Banks
Low riskExact public inventory row
Description
Develop more accurate classification framework for community banks to appropriately tailor strategies
Detailed example
Statistical methods are used in the variable selection process for a model
AI / analytics pattern
Classical/Predictive Machine Learning: Models trained on data to make predictions or classifications based on identified patterns or relationships.
Automation level / stage
c) Deployed – The use case is being actively authorized or utilized to support the functions or mission of an agency.
Expected benefit
To improve upon the classification framework used to tier community banks according to risk, and to tailor examination intensity
Controls / human review
ATO: Yes; PIA: Not published
Data needed
Internal – FFIEC Call Report, Uniform Bank Performance Report