Asset Liability Management

Protect your balance sheet from interest rate risk with an asset liability management model that is easy to understand and will satisfy examiners.

Regardless of the size of your bank, 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. Best of all, the reports and findings are backed by a team of experienced advisors who are available to answer any questions you might have.

Features of UBB’s ALMEdge  Asset Liability Management Service:

  • 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

Benefits of UBB’s ALMEdge  Asset Liability Management Service:

  • Reports are concise and easy to knowledgably 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 you bank’s balance sheet is properly protected. Look to the UBB asset liability management experts for a solution to help you manage risk while meeting the requirements of regulators.

Click here to request a sample ALMEdge report & pricing information

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.