How Much Capital Does Your Institution Really Need?
Capital is the core of an institution’s ability to grow and succeed yet answering the question of “How Much Capital Does Our Institution Really Need?” remains a common challenge for industry leaders. Join ALM First’s experts as we discuss quantitative solutions to assist depositories in answering this question as they manage potential risks from COVID-19 and other scenarios while planning for future growth. Learn how a comprehensive analysis of your data can determine how much capital would be needed to survive a severe recession, specific operational failures, data breaches and more.
Learning Objectives
- Calculate quantitative analysis to estimate a range for capital needs
- Analyze what is needed to ensure this type of analysis is truly valuable
- Evaluate the importance in developing a capital plan, in general
*CPE Credit is available

Thomas Griswold, CFA
Managing Director, Advisory Services
Thomas Griswold joined ALM First Financial Advisors in 2013. As the Managing Director for Advisory Services, Thomas oversees the Advisory Services department, which is responsible for implementing actionable and effective ALM and investment strategies for client financial institutions. In addition, Thomas performs merger and acquisition analyses, and ALM model validations. He also assists with interest rate hedging strategies, and values loan pools to guide trading decisions.
Macie Fults
Associate, Strategic Solutions Group
Macie Fults joined ALM First Financial Advisors in 2018. As an associate for the Strategic Solutions Group, Macie performs ALM model validations for depositories and assists with Dodd-Frank Capital Stress Testing and CECL valuations. Macie received a bachelor’s degree in mathematical economic analysis from Rice University in Houston, TX.
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