ALCO chair / CFO
Wants the meeting to run on decisions, with the packet and the follow-up handled.
Asset/Liability Management · Services
ALCO meetings and preparation
NineFive prepares your quarterly ALCO packet, attends the meeting, and handles the follow-up: one current view of net interest margin, interest rate risk, liquidity, and peer position, with recommendations, minutes, and board-ready reporting. Your committee makes the decisions; NineFive does the assembly and the analysis.
The engagement
Every quarter
Packet before the meeting, advisor at the meeting, deliverables after
Prepare or facilitate
Packet only, or packet plus a NineFive advisor in the room
Minutes & board report
Follow-up handled, action items tracked
What it is
The quarter's ALCO work, done.
NineFive covers the ALCO meeting end to end: the packet before, the analysis during, and the record and follow-up after.
Before
The packet, built from your data
Margin, rate risk, liquidity, the investment portfolio, loan pricing posture, peer context, and policy exceptions in one packet, with a draft agenda and recommendations, circulated before the meeting.
During
An advisor in the room
A NineFive advisor walks the committee through the analysis, answers the questions, and keeps the discussion on decisions rather than data cleanup.
After
Minutes, board report, and follow-up
Minutes drafted, a board-ready summary produced, action items tracked to the next meeting, and policy exceptions logged.
Policy
Policy and limit review
An annual review of the ALCO policy, risk limits, and assumptions against how the bank and its peers have actually behaved.
What you get
Every quarter.
- The ALCO packet and a draft agenda, circulated before the meeting.
- A NineFive advisor to facilitate or support the meeting.
- Draft minutes and a board-ready summary.
- An action item tracker carried to the next meeting.
- An annual review of ALCO policy, limits, and assumptions.
Who it is for
The committee and the people it reports to.
Committee members
Want a clear packet they can read the night before instead of a stack of tables.
CEO
Wants ALCO to be a real governance function, not a formality.
Board of directors
Wants a plain-terms summary of what ALCO decided and why, with peer context.
How it works
Packet in BankCore, advisor at the table.
Built from your data, run by your committee
NineFive assembles the packet in BankCore from your call report data, deposit and borrowing detail, and, if you want pricing posture included, your pipeline from TrueNIM. You review, the meeting runs with a NineFive advisor present, and the minutes, board report, and action items follow.
- Data in from you each quarter; NineFive handles peer data
- Packet circulated before the meeting
- Minutes, board report, and follow-up after
Why NineFive
Advisors who have sat on an ALCO.
- The NineFive team has prepared for and sat in community bank ALCO meetings, not only built the reports.
- The packet is built in BankCore, so your team can take it in-house whenever it wants to.
- One relationship covers ALCO, IRR, liquidity, strategy, and peer reports.
- Priced for community banks between $200MM and $17B in assets.
ALCO prep FAQ
Frequently asked questions
Scope
What does ALCO meeting prep involve?
ALCO meeting prep is assembling everything the committee needs to make decisions: current net interest margin, the interest rate risk position, liquidity, the investment portfolio, loan pricing posture, peer context, and any policy exceptions, in one packet built from the bank's own data. NineFive prepares that packet each quarter, drafts an agenda and recommendations, and circulates it before the meeting.
Facilitation
Do you run the meeting or just prepare it?
Both are available. NineFive prepares the packet for every engagement, and where the bank wants it, a NineFive advisor attends and facilitates the meeting. The committee still votes and owns the decisions.
Board
Can NineFive present to the board?
Yes. NineFive produces a board-ready summary of the ALCO meeting and can present the margin, rate risk, and liquidity picture to the board with peer context, in plain terms.
vs software
How is this different from ALCO software?
ALCO software gives your team the workspace to build the packet themselves. This service is a person doing that work for you, plus attending the meeting and handling minutes, board reporting, and follow-up. The packet is built in BankCore.
Data
What data do you need?
Your quarterly call report, deposit and borrowing detail, your current ALCO policy and limits, and your loan pipeline if you want pricing posture in the packet. NineFive handles peer data.
Before your next ALCO
We will build one packet from your numbers.
Send a recent call report and we will show you the packet your committee would work from.