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ABA: The American Bankers Association
Industry Insight

Preparing for the New Cycle: Capital Planning and Allocation

  • Brought to you by ABA Insurance Services
  • Published May 27, 2025

The new administration is making significant changes to fiscal policies and trade relations, potentially catalyzing an economic revolution, and creating exciting new lending and growth opportunities for community banks.

With significant shifts in fiscal policies and trade relations, community banks are advised to strategically divide their capital into "offensive" allocations for growth initiatives and "defensive" reserves for unforeseen risks. The newest blog post from ABA Insurance Services explores moving beyond traditional capital planning methods, advocating for customized stress testing and scenario analysis to optimize capital allocation. Read more to learn how community banks can ensure effective management and resilience in uncertain times.

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