REPORT

Modern Treasury Management: Navigating Risk and Complexity

How community financial institutions build resilience amid uncertainty

As community financial institutions (Fis) navigate an increasingly complex operating environment, the role of treasury management has expanded far beyond daily cash flow oversight. Institutions now confront a confluence of challenges—from persistent interest rate volatility to rising regulatory demands to shifting depositor behaviors—that threaten the stability of traditional balance sheet strategies.

This special report, developed by Bloomberg and Abrigo, explores the state of treasury risk management across community financial institutions and outlines best practices for improving visibility, responsiveness, and long-term resilience.

Download the report to:

  • Understand the key lessons from recent bank failures
  • Assess evolving risk factors, including liquidity modeling gaps and rising deposit betas
  • Discover actionable strategies and tools for modernizing treasury operations

Key Stats:

Over 40% of community banks have not fully adopted dynamic liquidity risk tools or modeled non-maturity deposit outflows with current behavioral data.

Higher deposit betas are squeezing bank margins from ~30% pre-2022 to over 60% in some segments.

Loan-to-deposit ratio is now exceeding 90–95% at a growing number of community FIs, heightening liquidity risk.

Over 40% of community banks have not fully adopted dynamic liquidity risk tools or modeled non-maturity deposit outflows with current behavioral data.

Higher deposit betas are squeezing bank margins from ~30% pre-2022 to over 60% in some segments.

Loan-to-deposit ratio is now exceeding 90–95% at a growing number of community FIs, heightening liquidity risk.

Equip your institution to stay ahead of risk. Access the report now and take the first step toward a more resilient treasury operation.

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