Services

Risk Management

Stone Bridge Advisory Group, LLC offers tailored risk management solutions for financial institutions, aligning with regulatory guidelines. Our services include designing robust governance frameworks, policies, and procedures to identify, measure, monitor, and control credit, market, operational, liquidity, and compliance risks. We provide expert oversight, comprehensive risk assessments, internal controls, and continuous monitoring, ensuring regulatory compliance and operational stability to enhance public confidence.

Loan Review and Credit Administration/Underwriting Evaluation

Stone Bridge Advisory Group, LLC provides expert asset quality solutions for financial institutions. We specialize in loan review for problem asset identification, credit administration policies for documentation and monitoring, and underwriting standards emphasizing risk analysis and stress testing. Our services ensure robust controls, regulatory compliance, and portfolio stability.

Strategic Planning

Stone Bridge Advisory Group, LLC delivers reliable strategic planning services tailored for community banks, optimizing CAMELS components to enhance capital adequacy, bolster asset quality through prudent credit risk management, strengthen corporate governance, management oversight, and succession planning, ensure stable liquidity via diversified funding, promote sustainable earnings, and mitigate market risk sensitivity such as interest rate volatility. This approach empowers banks to navigate emerging industry changes (e.g., AI, fintech competition, and digital transformation) while maximizing opportunities and institutional strengths.

Asset & Liability Management

Stone Bridge Advisory Group, LLC offers comprehensive asset and liability management (ALM) consulting for community banks. Services include optimizing liquidity with diversified funding, stress testing, and contingency plans; managing interest rate risk through gap analysis, earnings and capital simulations, and hedging within board limits; guiding securities and investments via credit analysis, diversification, and concentration controls; and establishing ALCO oversight for strategy coordination, quarterly reviews, and risk alignment to reduce volatility and sustain earnings.

Training

Stone Bridge Advisory Group, LLC provides specialized training programs for community banks to enhance risk management and operational efficiency. Services focus on equipping staff and boards with skills in credit analysis, budgeting and strategic planning, policy formation and enforcement, interest rate risk, asset and liability management, cybersecurity, and fraud prevention through customized, ongoing sessions or periodic training sessions. This fosters competency, strengthens internal controls, reduces vulnerabilities, ensures regulatory adherence, and promotes institutional stability, ultimately minimizing losses, enforcement risks, and reputational harm while supporting safe, sustainable growth.

Executive Advisory Services

Stone Bridge Advisory Group, LLC provides flexible interim executive services, including roles such as Chief Risk Officer (CRO), Chief Financial Officer (CFO), Information Security Officer (ISO), and Chief Credit Officer (CCO), ensuring seamless leadership continuity during transitions to prevent business disruptions, productivity losses, and potential bank failures while maintaining safe, sound, and efficient operations.

Examination Preparation

Stone Bridge Advisory Group, LLC specializes in comprehensive examination preparation and support services tailored for community banks, covering key areas such as Safety and Soundness, IT, and AML/CFT examinations. Our offerings include pre-exam assessments, mock examinations, policy reviews, and on-site assistance to address challenges like resource limitations and regulatory complexities, ensuring seamless compliance and minimal disruptions. We also assist financial institutions under Memorandum of Understanding (MOU) or Consent Orders by monitoring progress, implementing corrective actions, and facilitating remediation to restore compliance and operational stability.