Bank Risk · Country Risk · Advisory

Read the world.
Price the risk.

Two kinds of risk, read the same way. If you run a bank or a credit union, we turn your own filings into capital, liquidity, credit and concentration analysis an examiner would recognise, with the models to stress it. If your exposure is a country, we score it and show the arithmetic. Either way: name the exposure, put a number on it, show the work.

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Lynx · for banks and credit unions

Your own filings, modelled, and a report your board can read.

Pick your institution and Lynx fills in from public record: capital, liquidity, concentration, CAMELS, peers, stress. Nothing to upload. Every module publishes into one summary report.

Lynx Portfolio Overview on Salem Five Cents Savings Bank: the institution header with capital ratios, section tabs, at-a-glance standing against its size band, and year-over-year findings split into what needs attention and what is improving.

Portfolio Overview on Salem Five Cents Savings Bank, Q1 2026, one of the three banks open to preview below. Every US bank and credit union, quarterly filings back to 2008.

Built for institutions under $10B

The risk department a community bank does not have: assumption-driven stress, liquidity and rate models run against your filed numbers, with the assumptions disclosed beside the result.

Try it on a real bank first

Three live previews open as a guest on real filings, no account needed. Then request access for your own institution.

The pack, not the dashboard

A printed summary report with the same figures the screen showed, scenario sections marked as such, and a peer cohort named on every comparison.

See Lynx Preview it on a real bank
The bridge

Most advisors sit on one side of the line.

Political-risk firms narrate. Finance desks model. Very few carry a geopolitical read through to what it does to a position, a reserve, or a portfolio. That translation is the whole of what Lynx Renard does.

Credentialed judgment

A trained read

Finance-first, but grounded in an MA concentrated in international security and US foreign policy, with the CIS a long-standing focus. The geopolitical read is studied, not improvised.

Quantitative pricing

Carried to a number

Every read runs through to consequence across macro, market, credit and portfolio, using the same discipline that governs reserves and stress tests on a commercial credit book.

Built to act on

Tools, not just takes

Scenario engines, credit-risk and monitoring tools, and reconciled models, delivered in plain language a board and a lender can both use.

Practices

What we do.

Two practices, one discipline: read the world, then price the risk and build the tools to act on it, turning judgment into a number a board or a lender can use.

All practices & work →
Engagements

Three ways to work together.

Take a seat in the platform, commission a defined deliverable, or retain standing counsel. Most relationships begin with one piece of work and deepen.

Platform

Access to Lynx or Renard

A seat for your team: the standing quarterly read on your own institution, or the country files and the desks behind them, refreshed as the filings and the data land, with the board pack included.
From $12,000 a year per institution: six seats, invoiced, never self-serve. Founding rate $8,000 for anyone signing by 31 December 2026
Most requested
Project

Fixed-Scope Engagement

A defined deliverable with a fixed fee and a date: a stress test built to your book, a concentration report, a country written up, an ownership trace, or a monitoring tool built to your data.
Scoped & fixed-fee: priced per engagement
Retainer

Advisory Retainer

Standing counsel for firms operating where the map is unclear: on-call analysis, priority turnaround, and someone who already knows your book and your exposure before you call.
By arrangement: scoped to the year, not the month
Coverage

Markets we analyse.

Three markets, followed daily and in depth, from the macro tape down to the individual bank, sovereign, or security that carries the risk.

United States
Banks & credit · Policy · Rates · Metals
CIS
Country risk · Sanctions · Sovereigns · FX
West Africa
Banking systems · Sovereigns · BRVM
Insights

Thinking in the open.

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Geopolitics·Analysis

The risk premium decays before the risk does

Tanker traffic through the Strait of Hormuz collapsed in March and has not recovered. Brent went to $117 and then gave most of it back. Both of those things are still true, which is the problem.

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Banking·Analysis

Lending to the lenders

Bank credit to nonbank financial institutions has grown at 22.7% a year and passed a trillion dollars. Since December 2024 the Call Report has broken it into five categories, and almost nobody is reading it institution by institution.

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Banking·Analysis

The agency that did not sign

The OCC and the FDIC have now narrowed what an examiner may write up. It is the second rule this month the Federal Reserve declined to join, and 698 banks holding $4.7 trillion sit outside both.

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Start a conversation

Bring us the exposure you can't quite price.

Come with the situation; leave with a view on how it maps to your numbers.

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