Reassessing deposit behavior: Strengthening ALM assumptions in a changing rate environment
Wednesday, May 13, 2026
2:00 PM ET / 1:00 PM CT
2:00 PM ET / 1:00 PM CT
During the liquidity surge, many financial institutions relied on stable deposit growth, low deposit betas, and predictable customer behavior. That environment has shifted in meaningful ways. Many institutions are facing increased rate sensitivity, higher funding costs, evolving customer preferences, and greater competition for funding.
If ALM assumptions have not been revisited recently, outdated deposit betas and non-maturity deposit assumptions can distort interest rate risk results and margin projections. In this webinar, we will examine how institutions can reassess deposit behavior and strengthen ALM modeling for today’s rate environment.
You will learn:
- How rising deposit betas impact net interest margin and rate risk exposure
- The effect of deposit mix shifts on liquidity and earnings sensitivity
- Key considerations when modeling non-maturity deposit assumptions
- Practical steps to validate and update deposit assumptions before your next ALCO review
Meet Your Presenters
Susan Sharbel
Senior Consultant
Abrigo
Susan Sharbel brings over 35 years of expertise in the banking industry, with a focus on asset/liability management and regulatory compliance. Prior to joining Abrigo, she was an ALM consultant leading ALM model implementations and managing the quarterly ALM process, support, and analysis for nearly 40 banking clients. As a
Tom Mennie
Consultant
Abrigo
Tom Mennie is a financial services professional with more than 30 years of experience in banking, financial analysis, and asset/liability management. As an ALM Consultant at Abrigo, he works with financial institutions to strengthen balance sheet strategies and navigate today’s evolving rate environment. Prior to joining Abrigo, Tom held senior
