BSA Program Health Scorecard

Summit Regional Bank · $11B Assets · OCC-Supervised · Q1 2025

Last Examination: 18 months ago · Next Scheduled: Q3 2025

Examination Outcome Risk Score
3.2
+0.4 from Dec
CRITICAL ALERT
January independent audit downgraded wire monitoring to "Needs Improvement" — Health Score dropped 86.2→81.4. Model validation currency now primary examiner risk.
BSA Health Score
81.4
-4.8
Open MRAs (Age)
7
Avg 147d
Audit Pass Rate
68%
-14%
TM Validation Days
267
Critical
Policy Gap Index
2.3
-0.6
Training Score
84.2
+2.1

Control Domain Effectiveness

Summit (Q1 2025)
Summit (Q4 2024)
Valley State Peer
Regulatory Minimum

MRA Aging Distribution

Independent Audit Pass Rate Trend

Examination Readiness — 12 Control Areas

Control Area Status Score Open MRAs Validation Date Next Action
TM Wire Scenarios Critical 62 2 May 2024 Model revalidation Q1
CIP Exception Mgmt Watch 74 1 Dec 2024 Close MRA 2024-07
SAR Quality Review Good 88 0 Jan 2025 —
EDD High-Risk Good 82 0 Nov 2024 —
AML Training Good 84 0 Jan 2025 —
Currency Reporting Good 91 0 Oct 2024 —
Risk Assessment Watch 76 1 Sep 2024 Update crypto exposure
Board Reporting Good 87 0 Dec 2024 —

AML Training Effectiveness by Role

Regulatory Change Implementation Lag

Board BSA Reporting Timeliness — Last 6 Quarters

CIP Exception Rate Trend

TM Model Validation Currency

Pre-Exam Action Queue — Ranked by Risk Impact

Priority Action Impact Owner Due Status
1 Complete wire TM model revalidation -2.1 VP Compliance Mar 15 In Progress
2 Close MRA 2024-07 (CIP exceptions) -1.3 CIP Manager Feb 28 In Progress
3 Update risk assessment crypto exposure -0.8 BSA Officer Mar 31 Not Started
4 Remediate audit finding wire scenarios -0.6 Ops Lead Apr 15 Not Started
5 Conduct Q1 Board training on sanctions -0.4 BSA Officer Mar 20 In Progress