Asset Liability Management

Regardless of your bank's size, big or small, you have detectable risk embedded in your balance sheet and a regulatory obligation to understand and describe how you will manage that risk.

For over 20 years, United Bankers’ Bank’s asset liability management tool, ALMEdge™, has provided community banks with concise readings and analytics on liquidity, earnings, interest rate, and yield curve risks every quarter. These findings are published in a report format that is easy to interpret and present to regulators and members of your board of directors. The reports and findings are backed by a team of experienced advisors who can answer any questions.

• Reports are generated every quarter and meet all regulatory requirements, including back-testing
• Key analytics based on your bank’s balance sheet
  • Duration analysis – Identifies how much of your margin is at risk to shifts in the yield curve
  • Capital formation monitor – Assesses your rate of capital formation and corresponding leverage capabilities
  • Cash flow and rate shocks – Models change in cash flows and earnings based on your bank’s inputs and balance sheet
• Simplified reporting
  • Information is compacted down into 15 colorful, easy-to-interpret pages
• In-depth and ongoing support  - In addition to the quarterly reports, UBB’s team of advisors are available to assist you in a variety of ways
  • Answer questions via phone or email
  • Participate in your bank’s board reviews and ALCO meetings

• Reports are concise and easy to explain the findings to regulators and members of your board of directors
• Users receive access to valuable economic updates, tools, and asset liability discussions via the ALMEdge website
• Users receive an invitation to the annual ALMEdge™ Users Conference
• ALMEdge™ team provides in-depth and ongoing support

Interest rate risk waits for no one. Ensure your bank’s balance sheet is adequately protected. Look to the UBB asset-liability management experts for a solution to help you manage risk while meeting the requirements of regulators.

Note: All products and services represented on this page are not insured by the FDIC or any other federal government agency, are not deposits of or guaranteed by the Bank or any Bank affiliate, and may lose value.