Seifried & Brew, a brand of Velligan-Blaxall Consultants, LLC. is a consulting firm specializing in custom community bank analytics and municipal credit analysis. S&B believes that risk management and monitoring is a key component to running a top performing community bank. We help bankers understand and communicate their bank’s risk and reward relationship to its board and leadership team. Our years of interactions and experiences with community banks led us to develop our proprietary performance/risk model, the hallmark and cornerstone of our analytics. This model determines how well a bank balances its risk vs. reward by benchmarking the bank’s composite score against national and regional peer groups. Additionally, S&B offers strategic and capital planning services founded on the philosophy of traditional, conservative banking. These services help the bank’s board and management team plan for the future while maintaining the integrity of its past. One key area of risk common to banks is municipal credit risk. Our credit risk analysis team utilizes a municipal credit model for enhanced monitoring of the risk in each bank’s municipal bond portfolio. Designed to comply with regulatory guidance for due diligence before purchase and on an on-going basis, our third-party credit risk analysis is independent of the major rating agencies and investment brokers. Our team of analysts reviews the financial statements of each issuer to identify signs of weakness in financial management and how each issuer is responding to local economic conditions.