Turn risk challenges into opportunities with PT ScoreTM regulatory tools.
PT Score™ is a Strategic Risk Management Tool that helps financial institutions optimize performance through more effective management of risk and regulatory positions.
How does the PT ScoreTM Process Work?
- Provides a unique understanding of fundamental structural and regulatory risk positions that exist across a financial institution
- Explains how environment stresses (ex: credit, interest rate, operational) could potentially impact these structural and regulatory risk positions, including the direct impact on capital
- Explains how an institution’s risk positions compare with peer performance measures and industry trends
- Provides a method to estimate and evaluate strategic scenarios that optimize the risk/reward proposition for the institution
We Are Thought Leaders
Rich Berg explains how the impacts of dramatically different systems are affecting the markets around us. Specifically, he discusses the following systems: open systems vs. closed systems; mostly open vs. mostly closed systems; Mediocristan vs. Extremistan; and time horizon and the Performance Trust methodology.
Bart Smith discusses noteworthy regulatory updates for banks and credit unions. With the Financial Choice Act (FCA) moving through Congress, new provisions have been added and should be reviewed by your institution. Bart Smith addresses the concerns surrounding new proposals and the potential impacts that the changes might have on community financial institutions. Considering the long-term outlook and potential ramifications of the new legislation, it’s important to reach out to your elected official to discuss the new policy.
Our experienced investment professionals strategically partner with community financial institutions and registered investment advisors to make investment decisions with the aim of producing consistent, significant improvement in their long-term performance.
With our unique, disciplined approach, we challenge conventional wisdom and unveil common misconceptions through our strategic financial advisory services.
“An investment in knowledge pays the best interest.”
Learn with Us—Live
We are committed to educating our clients and helping them acquire the knowledge and tools the ask the right questions and make beneficial risk/reward decisions.
See if Performance Trust University® is headed to a city near you.
Managing Director, Regulatory Services
Drawing on his 25 years of experience at the Federal Deposit Insurance Corporation (FDIC), Bart saw a need for education when it comes to regulatory concerns. He created PT Score products to help ease the fear that regulatory concerns can cause for institutions and teach banks how to leverage their regulatory position to find new opportunities. Bart serves as an expert resource for Performance Trust in bank policy and regulatory matters and helps develop many different types of materials to educate customers. Prior to joining Performance Trust, Bart began his career as an Assistant Examiner in the Houston, TX Field Office. In 2002, after a series of promotions, Bart became the Territory Supervisor for the Charlotte, NC office.
Chief Executive Officer, Co-Founder
Rich is CEO and co-founder of the Performance Trust Companies. He is a featured speaker at numerous banking, insurance and professional conferences and seminars throughout the United States. Rich was also one of the founders of the highly acclaimed Principles of Performance™ and Advanced Course® programs.
Chairman of the Board, Co-Founder
Phil is one of the founding members and partners of The Performance Trust Companies. His passion is to help asset liability managers outperform by applying a disciplined, well-quantified risk/reward decision-making process. He has been a featured speaker and writer on this process for numerous banking programs and seminars around the country.