Diagnose/Meridian Regional Bank, N.A.
2025 Exam Re-Rating Analysis
DELIVEREDComposite 3 — FairM&A intentTotal findings
10
Material / noncompliance
4
Discountable %
60%
Findings (10)
| Comp | Description | Nature | Sev | Status | Ref | |
|---|---|---|---|---|---|---|
| A | Asset quality deterioration in CRE portfolio exceeds peer benchmarks without compensating reserves. | Material Financial Risk | 2 | Open | MRA-2025-01 | |
| S | Interest rate sensitivity model underestimates EVE impact under +300bp shock. | Material Financial Risk | 1 | Open | MRA-2025-02 | |
| M | BSA/AML program lacks adequate customer risk rating methodology. | Significant Noncompliance | 1 | In Remediation | MRA-2025-03 | |
| C | Capital planning process does not formally document stress scenario selection rationale. | Process/Governance | 1 | Open | — | |
| A | Loan review documentation lacks consistent format for criticizing credits. | Documentation | 1 | Open | — | |
| E | Earnings forecasting model lacks formal governance and validation schedule. | Process/Governance | 1 | Open | — | |
| L | Contingency funding plan not tested under a deposit-run scenario in prior 12 months. | Process/Governance | 1 | Open | — | |
| M | Board risk committee charter does not specify quorum and voting requirements. | Process/Governance | 1 | Open | — | |
| S | Market risk policy requires update to reflect current product mix and hedging strategies. | Documentation | 1 | Open | — | |
| C | new test finding around CRA | Significant Noncompliance | 3 | Open | — |