As financial institutions move through a year defined by rate volatility, technology disruption, liquidity considerations, and a shifting economic environment, leaders overseeing asset/liability management (ALM), balance sheet strategy, and performance optimization face an increasingly complex landscape.
Abrigo’s most-read ALM blogs of the year highlight the tools, insights, and planning frameworks institutions relied on to strengthen decision-making and support long-term resilience.
From AI-driven analytics to deposit strategy, community bank positioning, and improved loan decisioning, the following articles reflect the industry’s most pressing priorities and biggest opportunities.
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These blogs and downloadable resources were the most popular in 2025 among finance executives and portfolio risk staff. The top 10 blogs and top 5 resources were created by Abrigo's team, which includes former bankers, regulators, and industry experts.
For ALM leaders, AI presents an opportunity to significantly enhance scenario analysis, stress testing, and long-term strategic insights. This piece outlines high-impact use cases across risk modeling, loan decisioning, and operational efficiency, while emphasizing the importance of model governance and explainability.
With tariffs reshaping supply chains and business costs, this blog examines the downstream effects on credit risk, liquidity, and balance sheet planning. It explains how tariffs influence industries differently, what institutions should monitor in their portfolios, and how proactive scenario modeling helps quantify potential impacts. The article encourages ALCOs to stay agile in the face of geopolitical and macroeconomic uncertainty.
This post recaps hot topics at Abrigo's ThinkBIG conference—economic conditions, regulatory momentum, technology adoption, and growth strategy. It emphasizes the need for dynamic planning, talent development, and enhanced risk analytics. ALM and strategy teams can use these takeaways to ensure decision-making remains both informed and forward-looking.
As deposits remain a critical component of funding strategy, this blog explains how core deposit intangibles (CDIs) factor into bank valuations, acquisitions, and asset/liability strategies. It outlines how CDIs are measured, why they matter in today’s liquidity-sensitive environment, and how understanding deposit stability supports better strategic planning.
This resource explores how financial institutions can modernize small business lending—an essential growth engine for many community banks and credit unions. The blog discusses improvements in workflow automation, data-driven credit assessment, customer experience, and portfolio monitoring, all of which strengthen loan performance and deepen relationships.
For institutions implementing new ALM, CECL, risk, or lending platforms, this article serves as a roadmap for effective deployment. It highlights the importance of stakeholder alignment, realistic timelines, clean data, training, and post-go-live optimization. Successful software enablement is critical for institutions looking to leverage technology for strategic advantage.
This article outlines the competitive pressures and opportunities facing community banks in 2025. It explores differentiation strategies, the importance of investing in people and technology, and the evolving expectations of business customers. For leaders crafting long-term plans, the blog offers a high-level framework for positioning, growth, and operational resilience.
Vendor partnerships play a major role in whether technology investments deliver value. This piece explains how communication, transparency, shared accountability, and long-term alignment influence outcomes. It also offers guidance on how institutions can evaluate, maintain, and optimize vendor relationships to ensure smooth implementations and sustained performance.
This blog outlines steps for aligning AI initiatives with business goals, building internal readiness, ensuring governance, and measuring impact. ALM and finance leaders gain insight into how AI can strengthen planning, modeling, and decision-support frameworks.
A practical resource for teams optimizing new or existing banking platforms, this article outlines actionable tips for achieving organizational readiness. It covers user adoption strategies, communication planning, change management, and ongoing optimization—helping institutions maximize the ROI of technology investments tied to ALM, lending, or compliance functions.
In addition to the most-read blog content, these resources were widely downloaded by finance teams, allowance managers, and credit administrators this year. Each offers practical tools to support allowance governance, model validation, and strategic risk oversight.
This resource from Dave Koch challenges the status quo and redefines ALM as a strategic tool, not just a compliance necessity. Learn how to modernize your ALM framework using AI, real-time modeling, and customer behavior analytics to guide growth, pricing, and risk decisions across your institution.
Finance executives looking to optimize liquidity, pricing, and capital planning downloaded this special report with Bloomberg to review advice on dynamic ALM practices and integrating interest rate and credit risk to support long-term treasury strategies. It explores how financial institutions are addressing rising deposit betas, liquidity stress, and outdated risk models in the current environment.
Effective liquidity stress testing helps banks and credit unions prepare for the unknown, ensuring they can withstand financial shocks and meet regulatory expectations. This guide breaks down essential strategies to identify vulnerabilities and strengthen liquidity risk management.
Many financial institutions rely on historical account behavior and account age to assess core deposit duration. But recent data suggests a different factor may be more predictive: depositor age. As banks navigate evolving interest rate environments and liquidity pressures, understanding the impact of depositor demographics is critical to refining ALM strategies and mitigating risk.
Abrigo’s fair value disclosure review is a quarterly summary of the fair value analytics across clients for which our valuation services advisors provide exit price disclosure work. While individual results vary by institution, the report reflects how common methodologies and market-based assumptions collectively impact loan fair value estimates.
This blog was developed with the assistance of ChatGPT, an AI large language model. It was reviewed and extensively revised by Abrigo's subject-matter expert for accuracy and additional insight
ALM resources help financial institutions manage interest rate risk, liquidity risk, and balance sheet performance. Ongoing education supports stronger governance and regulatory readiness. Asset liability management software for banks and credit unions operationalizes these insights through modeling, reporting, and scenario analysis.
The most relevant ALM topics include interest rate risk modeling, deposit behavior analysis, liquidity stress testing, and net interest income forecasting. Institutions are also focused on responding to rate volatility and economic uncertainty. ALM software supports scenario modeling and board-ready reporting.
Institutions can apply ALM insights by refining assumptions, stress testing rate scenarios, and strengthening balance sheet strategy. Clear documentation and governance are critical for exam readiness. Asset liability management software centralizes assumptions, modeling outputs, and reporting workflows.
Scenario analysis evaluates how changes in interest rates and market conditions affect earnings and capital. Regulators expect institutions to model multiple rate paths and assess potential risk exposure. ALM software for banks and credit unions automates simulations and supports defensible interest rate risk management.
Technology improves ALM reporting by standardizing calculations, automating model runs, and generating consistent board reports. Spreadsheet-based processes increase the risk of errors and limited audit trails. Integrated ALM software strengthens transparency, scalability, and regulatory alignment.
Abrigo enables U.S. financial institutions to support their communities through technology that fights financial crime, grows loans and deposits, and optimizes risk. Abrigo's platform centralizes the institution's data, creates a digital user experience, ensures compliance, and delivers efficiency for scale and profitable growth.
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