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Because of the recent financial crisis in the United States, the need for adopting effective risk management practices has increased. Essentially, the volatility of the sector calls for an augmented re-evaluation of several aspects: the framework, the components of uncertainty that management practices by commercial banks, regulatory agencies, and scholars. By doing so, the stakeholders in the financial sector would ensure conformity to the best practices. Furthermore, the research herein uses the Ames National Corporation (ANC), which is a commercial bank in Iowa, USA as a case study. The institution risk profile and risk management practices are evaluated to give insights on conforming to the best international practices. The research also seeks to establish if effective risk management leads to in enhanced performance and profitability for financial institutions. The study integrates previous findings from scholarly work from two key areas of study: risk management and enterprise risk management (ERM). The analysis of ANC’s risk profile is accomplished with analytical tools, mainly ratios and graphs. Finally, the conclusion states areas on which further research should be conducted.

Economic Decision-Making and Risk Management: A Relation From the Banking Perspective