ALCO Deposit Defense
Defend deposits without buying every rate.
Your bank has $18.4M in deposits at risk over the next 90 days. DepositLeads recommends defending $11.2M, letting $1.9M walk, and converting $5.3M into relationship-priced balances tied to treasury, sweep, and operating accounts. Here are the bankers who need to call today.
At risk
$18M
Defend
$11M
Let walk
$1.9M
Convert
$5.3M
Pricing recommendation engine
Pine Bluff Contractors Operating CD
Offer 4.25% only with operating DDA renewal and treasury review completed before maturity.
Risk amount
$3.2M
Recommended offer
4.25%
Max justified rate
4.38%
NIM impact
-0.2 bps
Relationship tradeoff: Offer 4.25% only if DDA + treasury activation is included.
CD maturities 30 / 60 / 90
$3.2M / $1.8M / $1.9M
Maturity buckets from the at-risk radar
Retention pipeline
$17M
Defend plus convert recommendations
Cost to retain
$179K
Annual incremental rate cost
NIM impact
-2.2 bps
Earning assets modeled at $815M
Rate exceptions
6
Manager approval paths generated
ALCO Deposit Runoff Forecast
Forecasts expected 30/60/90-day deposit runoff, balances saved by the current defense plan, replacement funding cost, and the ALCO action that changes the forecast.
High confidence
90-day runoff
$10M
Modeled balances likely to leave without action
Saved by plan
$14M
135% of expected runoff covered
Replacement cost
$500K
Modeled at 4.85%
Breach window
30 days
First window where runoff exceeds saves
Telemetry
Tracked
deposit_runoff_forecast_reviewed
Next ALCO action: Move Avery Stone's Ozark Metalworks Inc. action to the first huddle item and decide convert posture before tomorrow before 2:00 pm.
30 days
Expected runoff
$8M
Expected saved
$6.3M
Replacement cost
$388K
Ozark Metalworks Inc. - Single-product high-balance
Manager approval required because product count is one and requested rate is near max justified.
60 days
Expected runoff
$9.3M
Expected saved
$10M
Replacement cost
$452K
Ozark Metalworks Inc. - Single-product high-balance
Manager approval required because product count is one and requested rate is near max justified.
90 days
Expected runoff
$10M
Expected saved
$14M
Replacement cost
$500K
Ozark Metalworks Inc. - Single-product high-balance
Manager approval required because product count is one and requested rate is near max justified.
Core Funding Replacement Plan
Shows which wholesale, brokered, and premium funding can be avoided if the deposit-defense plan saves and converts the modeled relationship balances.
High confidence
Avoidable funding
$15M
Wholesale or brokered funding the bank may not need
Annual cost avoided
$328K
Against 2.68% current cost of funds
Brokered / promo offset
$6.9M
Modeled reduction in premium-rate replacement balances
FHLB offset
$5.8M
Potential advance avoided by defending core funds
Core lift
100%
Avoidable share of watched non-core funding
Next CFO action: Use the next ALCO packet to avoid $14.5M of wholesale or brokered replacement funding before approving new high-cost funding.
FHLB advance
Current balance
$5.8M
Avoidable
$5.8M
Modeled rate
5.05%
Cost avoided
$137K
Use defended primary DDA and sweep balances before adding a new advance.
Brokered CD
Current balance
$4.2M
Avoidable
$4.2M
Modeled rate
4.90%
Cost avoided
$93K
Replace planned brokered renewal with relationship-priced commercial balances.
High-rate promo CD
Current balance
$2.7M
Avoidable
$2.7M
Modeled rate
4.65%
Cost avoided
$53K
Cap promotional pricing and route banker calls to high-balance low-product customers.
Fed funds / correspondent
Current balance
$1.8M
Avoidable
$1.8M
Modeled rate
5.15%
Cost avoided
$44K
Use 30-day saved balances to reduce overnight borrowing before month-end.
Deposit Policy Compliance Watch
Turns the ALCO deposit plan into examiner-safe policy evidence: liquidity coverage, rate exceptions, high-balance concentration, replacement funding, and core funding mix.
Breach
Policy breaches
2
Items requiring ALCO documentation
Watch items
3
Items to resolve before next packet
Telemetry
Tracked
deposit_policy_watch_reviewed
Next board action: Put 5 policy watch items on the next ALCO agenda with owner, action, and source proof.
30-day liquidity coverage
Defense plan should cover at least 90% of modeled 30-day runoff.
Current
78% covered ($6.3M saved vs. $8M runoff)
Owner
CFO / CDO
Move today/tomorrow retention calls ahead of new pricing approvals.
Evidence: ALCO runoff forecast windows
Rate exception discipline
Every premium rate quote needs manager approval and relationship tradeoff.
Current
6 approvals pending (75% of watch records)
Owner
Chief Deposit Officer
Require the banker to document DDA, treasury, sweep, or ICS/CDARS activation before quote release.
Evidence: Pricing recommendation engine
Single-product high-balance concentration
Watch if high-balance thin relationships exceed 25% of the at-risk book.
Current
$7.2M (39% of at-risk balances)
Owner
CBO / Relationship Managers
Assign relationship-deepening calls before paying for balances with no operating account.
Evidence: Deposit at-risk radar
Brokered and promo replacement funding
ALCO reviews brokered or promotional funding before new high-cost funding is added.
Current
$6.9M brokered/promo offset (48% of watched replacement funding)
Owner
CFO / ALCO
Use the next ALCO packet to avoid $14.5M of wholesale or brokered replacement funding before approving new high-cost funding.
Evidence: Core Funding Replacement Plan
Funding spread guardrail
Replacement funding spread over current cost of funds should be visible before ALCO approval.
Current
217 bps spread (4.85% replacement vs. 2.68% current)
Owner
CFO
Use relationship-priced core balances before approving wholesale funding with a wide spread.
Evidence: ALCO assumptions and funding replacement rows
Core funding mix
Core DDA protection should be addressed when rate-sensitive exposure exceeds 50%.
Current
80% rate-sensitive; 20% core DDA
Owner
CDO / CBO
Require every rate exception to document the operating DDA, treasury activation, or sweep/ICS/CDARS milestone that keeps the balance core.
Evidence: Core Funding Mix Watch
Core Funding Mix Watch
High funding mix pressure
80%
$14.8M of the watch book is rate-sensitive while $3.6M is defendable core operating DDA.
Core DDA
$3.6M
Rate-sensitive
$15M
Non-core pressure
$15M
Required ALCO posture
Defend primary DDA relationships first, convert idle MMDA/CD dollars into sweep or ICS/CDARS, and let thin single-product balances walk before raising the whole funding curve.
Require every rate exception to document the operating DDA, treasury activation, or sweep/ICS/CDARS milestone that keeps the balance core.
Core share
20%
Rate-sensitive share
80%
Premium pressure
80%
Deposit At-Risk Radar
ALCO-ready deposit risks ranked by relationship value, maturity urgency, balance decay, transfer pressure, product depth, and pricing discipline.
Selected Pricing Guidance
Recommended retention offer
4.25%
Offer 4.25% only with operating DDA renewal and treasury review completed before maturity.
Current rate
3.65%
Requested / market rate
4.45%
Annual cost to retain
$19,200
Expected balance saved
$2,976,000
Manager approval path
CDO approval for rate exception; Treasury review required before quote is final.
Source proof
Demo sanitized ALCO deposit file - 2026-06-14 - Demo
Retention Conversation
Morgan Avery: Your CD matures in 28 days. I want to get ahead of the renewal and make sure the rate conversation is tied to the operating relationship we can support.
Follow-up date
2026-05-30
Outcome tracking
Manager review
ALCO Scenario Simulator
Lose 10% of at-risk balances
If we lose 10% of these balances...
Modeled balance
$1.84M
NIM impact
-1.1 bps
$1.8M of lost balances would require higher-cost replacement funding at roughly 4.85%.
Defend primary relationships first; do not spend pricing dollars on thin single-product balances.
Match every requested / market rate
If we match competitor rates...
Modeled balance
$18M
NIM impact
-3.5 bps
Matching every rate request costs $287K annually versus $179K under disciplined recommendations.
Use max-justified-rate guardrails and require product expansion for exceptions.
Defend only relationship accounts
If we defend only relationship accounts...
Modeled balance
$13M
NIM impact
-1.7 bps
$13.4M has enough relationship depth to justify proactive defense.
Prioritize primary and partial relationships with DDA, treasury, lending, or household depth.
Move idle commercial cash into sweep / ICS / CDARS
If we move idle commercial cash into sweep/ICS/CDARS...
Modeled balance
$5.3M
NIM impact
0.3 bps
$5.3M can be converted from rate-sensitive balances into structured relationship liquidity.
Tie premium pricing to sweep, ICS/CDARS, operating DDA, and treasury activation milestones.
Banker Action Queue
Morgan Avery
Pine Bluff Contractors Operating CD
Today before 3:00 PM
Morgan Avery
Delta Ridge Contractors LLC
Today before noon
Jordan Lee
Riverbend Logistics LLC
Today before 4:00 PM
Chris Patel
Greenhouse Family Holdings
Within 7 days
Taylor Brooks
Pinnacle Medical Billing Group
Tomorrow before 10:00 AM
Avery Stone
Ozark Metalworks Inc.
Tomorrow before 2:00 PM
Guardrails
This module is an ALCO and relationship-service workflow, not a public rate quote or guaranteed offer.
Do not use rate-sensitive labels for adverse action, prescreening, credit eligibility, or consumer credit decisions.
Premium pricing must be tied to documented relationship value, product activation, and manager approval.
Internal core or statement data should remain bank-owned, tenant-isolated, and audit logged.
Use outside-transfer language as a payment pattern, not a claim that the customer maintains a relationship with a named competitor unless independently sourced.
Board / ALCO Takeaways
$18.4M is visible in the 90-day at-risk deposit radar; $16.5M should receive banker action.
Runoff forecast: $10.3M is modeled to leave within 90 days without action; current defense plan covers 135% of expected runoff.
Funding replacement plan: $14.5M of wholesale or brokered funding can be avoided, saving $328K in modeled annual funding cost.
Deposit policy watch: 2 breach and 3 watch items should be documented before the next ALCO meeting.
$1.9M should not be bought with rate under current relationship economics.
Funding mix watch: 80% of the watch book is rate-sensitive; protect core DDA before paying for non-core balances.
Disciplined recommendations cost $179K annually and model 2.2 bps of NIM pressure.
6 pricing exceptions require approval, each tied to product expansion or documented relationship depth.
CRA/examiner posture: keep source proof, relationship-service language, and no credit-decisioning guardrails visible in every output.
Source Proof
Source
Demo sanitized ALCO deposit file
Source table
lib/alco-deposit-defense.ts:demoDepositRiskBook
Observed date
2026-06-14
Last refreshed
2026-06-14
Confidence
Demo
Demo mode
Yes - sanitized demo data