Looking for Banker’s Toolbox? You are in the Right Place!

Banker’s Toolbox is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the login button here, or the link in the top navigation, to log in to Banker’s Toolbox Community Online.

Make yourself at home!

Looking for MainStreet Technologies? You are in the Right Place!

MainStreet Technologies is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the contact us button here, or the link in the top navigation, to reach product support for your MST products.

Make yourself at home!

Looking for Sageworks? You are in the Right Place!

Sageworks is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the login button here, or the link in the top navigation, to log in to your Sageworks products.

Make yourself at home!

Quantifying the 5 Cs: Credit Analysis Ratios That Matter

Commercial loan analysts can identify, based on financial characteristics of the business and borrower, the good and bad loans in their portfolio. In this paper, we look at the metrics most often used by analysts to quantify the 5 Cs of credit – capacity, capital, conditions, collateral, and character.

Download this whitepaper to learn

  • What these key metrics mean
  • How to calculate the ratios
  • Why these metrics are important for assessing creditworthiness
  • How to improve or change the ratios when coaching business borrowers