---
title: Plansmith Blog
---

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# Plansmith Blog

## [Why Every Financial Institution Should Budget for Multiple Scenarios](https://blog.plansmith.com/why-every-financial-institution-should-budget-for-multiple-scenarios)

## [Blueprint for Success: The Plansmith Planning Cycle](https://blog.plansmith.com/blueprint-for-success-the-plansmith-planning-cycle)

## [Performance Today, Continuity Tomorrow: Can Your Team Sustain PTO, Turnover, and Retirement?](https://blog.plansmith.com/performance-today-continuity-tomorrow)

## [5 Myths about Financial Institution Planning (And What to Do Instead)](https://blog.plansmith.com/5-myths-about-financial-institution-planning-and-what-to-do-instead)

## [Introducing the Plansmith Forum: 2026 Inaugural Event Recap](https://blog.plansmith.com/introducing-the-plansmith-forum-2026-inaugural-event-recap)

## [The 4Ds to Guide 2026: Deposits, Data, Decay, and Documentation](https://blog.plansmith.com/the-4ds-to-guide-2026-deposits-data-decay-and-documentation)

## [Loan Prepayments - Are You Ready?](https://blog.plansmith.com/loan-prepayments-are-you-ready)

## [Beyond the Boardroom Checklist: Unlocking the Strategic Edge in Peer Analysis](https://blog.plansmith.com/beyond-the-boardroom-checklist-unlocking-the-strategic-edge-in-peer-analysis)

## [Liquidity Risk: Navigating Uncertain Times](https://blog.plansmith.com/liquidityrisk-navigating-uncertain-times)

## [Dynamic Decay Rates: Worthy Challenge or Futile Pursuit?](https://blog.plansmith.com/dynamic-decay-rates-worthy-challenge-futile-pursuit)

## [Ask the Expert: Top Priorities for 2026](https://blog.plansmith.com/ask-an-expert-top-priorities-for-2026)

## [Deposit Stability: Are We There Yet?](https://blog.plansmith.com/deposit-stability-are-we-there-yet)

## [The Silent Cost: How Capacity Deficit Kills Opportunity](https://blog.plansmith.com/the-silent-cost-how-capacity-deficit-kills-opportunity)

## [From Plan to Profit: How to Conquer Execution Risk with a Strategic Playbook](https://blog.plansmith.com/from-plan-to-profit-how-to-conquer-execution-risk-with-a-strategic-playbook)

## [Ask AI: Is RiskGPS a Good Choice for YOUR Institution?](https://blog.plansmith.com/ask-ai-is-riskgps-a-good-choice-for-your-institution)

## [Unlock Your Competitive Edge: Strategic Clarity Through Peer Analysis](https://blog.plansmith.com/unlock-your-competitive-edge-strategic-clarity-through-peer-analysis)

## [The Goldilocks Zone of Financial Planning: Finding the “Just Right” Level of Detail](https://blog.plansmith.com/the-goldilocks-zone-of-financial-planning-finding-the-just-right-level-of-detail)

## [Rethink Your CECL Solution Before Renewing Another Year of Frustration](https://blog.plansmith.com/rethink-your-cecl-solution-before-renewing-another-year-of-frustration)

## [Managing Adversity: A Framework for Success in 2025](https://blog.plansmith.com/managing-adversity-a-framework-for-success-in-2025)

## [Staying Agile in 2025: The Importance of Liquidity Management](https://blog.plansmith.com/staying-agile-in-2025-the-importance-of-liquidity-management-0)

## [Margin Risk Tolerance: How Much Risk Can Your Financial Institution Afford?](https://blog.plansmith.com/margin-risk-tolerance-how-much-risk-can-your-financial-institution-afford)

## [Why Your Institution Needs a Playbook in 2025](https://blog.plansmith.com/why-your-institution-needs-a-playbook-in-2025)

## [Three Most Frequent Pitfalls of Interest Rate Risk Management Programs](https://blog.plansmith.com/three-most-frequent-pitfalls-of-irr-management-programs-2024)

## [Don’t Just Budget, Control Your Results](https://blog.plansmith.com/dontjustbudget-controlresults)

## [Branch Profitability](https://blog.plansmith.com/branch-profitability-plansmith-2024)

## [Product Profitability and Funding](https://blog.plansmith.com/product-profitability-and-funding-2024)

## [Charting Growth: The Compass of Goal Setting in Financial Institutions](https://blog.plansmith.com/charting-growth-the-compass-of-goal-setting-in-financial-institutions)

## [The Power of Playbooks: A Blueprint for Success](https://blog.plansmith.com/the-power-of-playbooks-a-blueprint-for-success)

## [Ask an Expert: Top Priorities for 2024](https://blog.plansmith.com/ask-an-expert-top-priorities-for-2024)

## [Surge Deposits: Straight Up with a Twist](https://blog.plansmith.com/surge-deposits-straight-up-with-a-twist)

## [Branch Profitability](https://blog.plansmith.com/branch-profitability-plansmith)

## [Planning: Many Aspects, One Purpose](https://blog.plansmith.com/many-aspects-one-purpose)

## [Control Performance: Best Practices for Financial Institutions](https://blog.plansmith.com/control-performance-best-practices-for-financial-institutions)

## [The Importance of Experimentation in Financial Institution Planning](https://blog.plansmith.com/the-importance-of-experimentation-in-financial-institution-planning)

## [Asset Liability Management and the Link to Bank Failures](https://blog.plansmith.com/asset-liability-management-and-the-link-to-bank-failures)

## [Why Choose Plansmith for Your Budgeting and Forecasting Needs?](https://blog.plansmith.com/why-choose-plansmith-for-your-budgeting-and-forecasting-needs)

## [Welcome Peter How, Planning Advisor!](https://blog.plansmith.com/welcome-peter-how-planning-advisor)

## [CECL 2023: Where Does Your Financial Institution Stand?](https://blog.plansmith.com/cecl-2023-where-does-your-financial-institution-stand)

## [Surge Deposits: Here We Go Again](https://blog.plansmith.com/surge-deposits-here-we-go-again-2022)

## [Stress-Free Budget Building](https://blog.plansmith.com/stress-free-budget-building)

## [Planning: Many Aspects, One Purpose](https://blog.plansmith.com/planning-many-aspects)

## [Adjust to Changing Economic Environments in 6 Steps](https://blog.plansmith.com/adjust-to-changing-economic-environments-in-6-steps)

## [Three Considerations for Rising Rates in 2022](https://blog.plansmith.com/three-considerations-for-rising-rates-in-2022)

## [Help! The Rates Ate My Budget](https://blog.plansmith.com/help-the-rates-ate-my-budget)

## [3 Big Misconceptions of CECL in 2022](https://blog.plansmith.com/3-big-misconceptions-of-cecl-in-2022)

## [Peer Analysis: What Is It and Why Does It Matter?](https://blog.plansmith.com/peer-analysis-what-is-it-and-why-does-it-matter)

## [Core Planning Concepts: What Can Finance Learn from Marketing?](https://blog.plansmith.com/core-planning-concepts-what-can-finance-learn-from-marketing)

## [Transform Your Budget into RESULTS in 7 Steps](https://blog.plansmith.com/transform-your-budget-into-results-in-7-steps)

## [Should You Focus on CECL in 2021? The Short Answer is YES](https://blog.plansmith.com/should-you-focus-on-cecl-in-2021)

## [When in Doubt, Peel the Onion](https://blog.plansmith.com/when-in-doubt-peel-the-onion)

## [Planning Doesn’t Stop At 5:00 On Friday](https://blog.plansmith.com/planning-doesnt-stop-at-5)

## [What Your Board Needs to Know and How to Train Them](https://blog.plansmith.com/what-your-board-needs-to-know-and-how-to-train-them)

## [PPP Loans: Your Top 3 Questions Answered!](https://blog.plansmith.com/ppp-loans-your-top-3-questions-answered)

## [Fresh Tips for Successful Budgeting](https://blog.plansmith.com/fresh-tips-for-successful-budgeting)

## [Turn Your Budget into a Plan](https://blog.plansmith.com/turn-your-budget-into-a-plan)

## [Looking Forward to 2021: Happy New Year](https://blog.plansmith.com/looking-forward-to-2021-happy-new-year)

## [The Outsourcing Dilemma: Time, Cost, and Control](https://blog.plansmith.com/is-irr-and-liquidity-cash-flow-model-outsourcing-right-for-you)

## [Virtual Compass Roundtable](https://blog.plansmith.com/virtual-compass-roundtable)

## [Negative Interest Rates Explained](https://blog.plansmith.com/negative-interest-rates-explained)

## [NEW! Client Spotlight Episode 1: Richwood Bank](https://blog.plansmith.com/new-client-spotlight-episode-1-richwood-bank)

## [3 Activities to Start ASAP This Fall](https://blog.plansmith.com/activities-to-start-asap-this-fall)

## [Gratitude in Crisis Times](https://blog.plansmith.com/gratitude-in-crisis-times)

## [My Budget Is Done, Now What?](https://blog.plansmith.com/my-budget-is-done-now-what)

## [How to excel without Excel](https://blog.plansmith.com/excel-without-using-excel)

## [Reforecasting: Planning for Real Life](https://blog.plansmith.com/reforecasting-planning-for-real-life)

## [Managing Consolidated Performance Objectives: Why A Unified Software Platform Is So Important](https://blog.plansmith.com/managing-consolidated-performance-objectives)

## [4 Reasons You Shouldn’t Wait to Implement CECL](https://blog.plansmith.com/4-reasons-you-shouldnt-wait-to-implement-cecl)

## [3 Reasons to Revisit Your IRR Policy Limits](https://blog.plansmith.com/3-reasons-to-revisit-your-irr-policy-limits)

## [Planning: Crisis and Recovery](https://blog.plansmith.com/planning-crisis-and-recovery)

## [Why Shouldn’t My Financial Institution Use a Budgeting Program That Transcends Industries?](https://blog.plansmith.com/why-shouldnt-my-financial-institution-use-a-budgeting-program-that-transcends-industries)

## [Key ALM/IRR Activities to Perform in 2020](https://blog.plansmith.com/key-alm/irr-activities-to-perform-in-2020)

## [Surge Deposits: R.I.P. (2018-2019)](https://blog.plansmith.com/surge-deposits-r.i.p.-2018-2019)

## [Wayne Gretzky, the Barber Shop, and Your Contingency Funding Plan… What They Have In Common, and What You Should Be Doing NOW - Part II](https://blog.plansmith.com/wayne-gretzky-the-barber-shop-and-your-contingency-funding-plan-what-they-have-in-common-and-what-you-should-be-doing-now-part-ii)

## [Wayne Gretzky, the Barber Shop, and Your Contingency Funding Plan… What They Have In Common, and What You Should Be Doing NOW - Part I](https://blog.plansmith.com/wayne-gretzky-the-barber-shop-and-your-contingency-funding-plan-what-they-have-in-common-and-what-you-should-be-doing-now-part-i)

## [Planning In Crisis Conditions](https://blog.plansmith.com/planning-in-crisis-conditions)

## [How Will Rate Changes Impact Your Budget?](https://blog.plansmith.com/how-will-rate-changes-impact-your-budget)

## [Communicate Your Numbers Like a PRO!](https://blog.plansmith.com/communicate-your-numbers-like-a-pro)

## [The 4 Big Backtesting Questions Revisited](https://blog.plansmith.com/the-4-big-backtesting-questions-revisited)

## [Stop Budgeting and Start Planning](https://blog.plansmith.com/stop-budgeting-and-start-planning)

## [Turn Your Budget into Action](https://blog.plansmith.com/turn-your-budget-into-action)

## [Do It Yourself CECL](https://blog.plansmith.com/diy-cecl)

## [Plansmith: Budgeting, Asset Liability Management, CECL & Strategy](https://blog.plansmith.com/plansmith-budgeting-asset-liability-management-cecl-strategy)

## [Compass 2-Day Event: What to Expect if You Attend!](https://blog.plansmith.com/compass-2-day-event-details)

## [4 Reports for Analyzing & Understanding IRR](https://blog.plansmith.com/4-reports-for-analyzing-understanding-irr)

## [Regulatory Expectations: IRR & Liquidity](https://blog.plansmith.com/regulatory-expectations-irr-liquidity)

## [The Real Reasons to Outsource Your IRR](https://blog.plansmith.com/real-reasons-to-outsource-your-irr)

## [One Less Thing to Worry About](https://blog.plansmith.com/one-less-thing-to-worry-about)

## [We've Walked in Your Shoes](https://blog.plansmith.com/weve-walked-in-your-shoes)

## [The Worst Budgeting Advice We've Ever Heard](https://blog.plansmith.com/the-worst-budgeting-advice-weve-ever-heard)

## [5 Ways Plansmith Simplifies Your Budgeting Process](https://blog.plansmith.com/5-ways-plansmith-simplifies-your-budgeting-process)

## [The Top 3 Lunch 'n Learns to Review for 2019](https://blog.plansmith.com/the-top-3-lunch-n-learns-to-review-for-2019)

## [Top 3 Takeaways on the WARM Method from the April 11, 2019 ‘Ask the Regulators’ CECL Webinar](https://blog.plansmith.com/top-3-takeaways-on-the-warm-method-from-the-april-11-2019-ask-the-regulators-cecl-webinar)

## [Featured Guest: Spotlight Financial](https://blog.plansmith.com/featured-guest-spotlight-financial-0)

## [What is Managing Your Own IRR Really Costing You?](https://blog.plansmith.com/what-is-managing-your-own-irr-really-costing-you)

## [Putting the “Live” in ICBA Live 2019](https://blog.plansmith.com/putting-the-live-in-icba-live-2019)

## [A Response to the FDIC: Brokered Deposits and High-Rate Deposits](https://blog.plansmith.com/a-response-to-the-fdic-brokered-deposits-and-high-rate-deposits)

## [Understand the Behavior of Interest Rate Risk](https://blog.plansmith.com/understand-the-behavior-of-interest-rate-risk)

## [Is Compass Advanced Coaching Right For You?](https://blog.plansmith.com/is-compass-advanced-coaching-right-for-you)

## [Another Great Year](https://blog.plansmith.com/another-great-year)

## [Influential Women in Business 2018](https://blog.plansmith.com/influential-women-in-business-2018)

## [On Thanksgiving...](https://blog.plansmith.com/on-thanks-and-giving)

## [Compass 2-Day Event: September 2018](https://blog.plansmith.com/compass-2-day-event)

## [Client Success Stories: Those Who Inspire Us](https://blog.plansmith.com/client-success-stories-who-inspires-you)

## [Planning for Change: A Lesson from Charles Darwin](https://blog.plansmith.com/planning-for-change-a-lesson-from-charles-darwin)

## [The Unexpected Tie Between Bankers & Boy Scouts](https://blog.plansmith.com/the-unexpected-tie-between-bankers-boy-scouts)

## [15 Ways an Outside Facilitator Can Save Your Next Strategic Planning Session](https://blog.plansmith.com/15-ways-an-outside-facilitator-can-save-your-next-strategic-planning-session)

## [5 Simple Tweaks to Build a Better Strategic Plan](https://blog.plansmith.com/5-simple-tweaks-to-build-a-better-strategic-plan)

## [Why “E-Learning” Is Succeeding](https://blog.plansmith.com/why-e-learning-is-succeeding)

## [The Most Important Variance – Where You Will Be](https://blog.plansmith.com/the-most-important-variance-where-you-will-be)

## [How We Improved Strategic Planning at Plansmith](https://blog.plansmith.com/how-we-improved-strategic-planning-at-plansmith)

## [Your budget is NOT your Strategic Plan](https://blog.plansmith.com/your-budget-is-not-your-strategic-plan)

## [Why Regulators Care About Surge Deposits (And You Should, Too!)](https://blog.plansmith.com/surge-deposits)

## [Bipartisan Banking: It's About Time](https://blog.plansmith.com/bipartisan-banking-its-about-time)

## [Bankers: Are You Considering a New Branch Location?](https://blog.plansmith.com/bankers-are-you-considering-a-new-branch-location)

## [Change Isn't What It Used To Be](https://blog.plansmith.com/change-isnt-what-it-used-to-be)

## [5 Things Your Strategic Plan is Probably Missing](https://blog.plansmith.com/5-things-your-strategic-plan-is-probably-missing)

## [3 Reasons Outsourcing Your IRR is the Smart Choice](https://blog.plansmith.com/3-reasons-outsourcing-your-irr-is-the-smart-choice)

## [The Top 3 Lunch 'n Learns to Review for 2018](https://blog.plansmith.com/the-top-3-lunch-n-learns-to-review-for-2018)

## [There is No Secret Sauce](https://blog.plansmith.com/there-is-no-secret-sauce)

## [Strategy Lessons From a Chess Grandmaster](https://blog.plansmith.com/strategy-lessons-from-a-chess-grandmaster)

## [The 3 Biggest Missed Opportunities of Social Media](https://blog.plansmith.com/the-3-biggest-missed-opportunities-of-social-media)

## [The 3 Reasons Strategic Plans Fail](https://blog.plansmith.com/the-3-reasons-strategic-plans-fail)

## [3 Key Components in Outsource IRR Analysis](https://blog.plansmith.com/outsource-irr)

## [Budget Reforecasting for Financial Institutions](https://blog.plansmith.com/budget-reforecasting-for-community-banks)

## [Forgotten Components of Interest Rate Risk at Community Banks](https://blog.plansmith.com/forgotten-components-of-interest-rate-risk-at-community-banks)

## [Social Media Best Practices for Banks](https://blog.plansmith.com/social-media-best-practices-for-banks)

## [Marketing to the Inundated Customer](https://blog.plansmith.com/marketing-to-the-inundated-customer)

## [Planning Never Stops](https://blog.plansmith.com/planning-never-stops)

## [Customer Service and Social Media: A Lesson For Banks](https://blog.plansmith.com/customer-service-and-social-media-a-lesson-for-banks)

## [Why Your Community Bank Needs Social Media](https://blog.plansmith.com/why-your-community-bank-needs-social-media)

## [The Community Bank Strategic Planning Experiment: Using Your Model To Prepare for Rising Interest Rates](https://blog.plansmith.com/the-community-bank-strategic-planning-experiment)

## [How is Your Bank Planning for the Millennial Takeover?](https://blog.plansmith.com/how-is-your-bank-planning-for-the-millennial-takeover)

## [The FMS Forum: A Sneak Peek of My Talk on Millennial Employees](https://blog.plansmith.com/the-fms-forum-plansmith-millennial-employees)

## [3 Steps to #Social Video](https://blog.plansmith.com/3-steps-to-social-video)

## [3 Ways to Build an Engaged Strategic Planning Team](https://blog.plansmith.com/3-ways-to-build-an-engaged-strategic-planning-team)

## [Planning to Build Trust in Your Bank](https://blog.plansmith.com/planning-to-build-trust-in-your-bank)

## [Run Your Meeting Like a Sales Pro: The Up-Front Contract](https://blog.plansmith.com/run-your-meeting-like-a-sales-pro-the-up-front-contract)

## [Focus on Customers Not Commodities](https://blog.plansmith.com/focus-on-customers-not-commodities)

## [Does Your Bank Look Trustworthy?](https://blog.plansmith.com/does-your-bank-look-trustworthy)

## [Surge Deposits: 3 Regulatory Expectations](https://blog.plansmith.com/surge-deposits-3-regulatory-expectations)

## [Torque Guest Post: How proposal software is defining our brand](https://blog.plansmith.com/torque-guest-post-how-proposal-software-is-defining-our-brand)

## [Answered: Bankers' 5 Most Painful Questions about Backtesting](https://blog.plansmith.com/answered-bankers-5-most-painful-questions-about-backtesting)

## [OCC: Risks Facing National Banks & Federal Savings Associations](https://blog.plansmith.com/occ-risks-facing-national-banks-federal-savings-associations)

## [The Loyalty Benefit: 5 Steps to Win Back Business](https://blog.plansmith.com/the-loyalty-benefit-5-steps-to-win-back-business)

## [The Loyalty Benefit: 5 Steps to Improve Client Retention](https://blog.plansmith.com/the-loyalty-benefit-5-steps-to-improve-client-retention)

## [Learning to Lead: 5 Things a Leader Must Learn](https://blog.plansmith.com/learning-to-lead-5-things-a-great-leader-does)

## [3 Ways to Reward Your Employees (And I'm Not Talking Money!)](https://blog.plansmith.com/3-ways-to-reward-your-employees-and-im-not-talking-money)

## [Another Reason to do Strategic Planning](https://blog.plansmith.com/one-and-only-reason-to-do-strategic-planning)

## [5 Tools Everyone In The Banking Industry Should Be Using](https://blog.plansmith.com/5-tools-everyone-in-the-banking-industry-should-be-using)

## [Think | Plan | Execute](https://blog.plansmith.com/think-plan-execute)

## [4 Parts of an Effective Interest Rate Risk Management Program](https://blog.plansmith.com/4-parts-of-an-effective-bank-interest-rate-risk-management-program)

## [Bankers: The Case for Mentorship & Continuing Education](https://blog.plansmith.com/bankers-the-case-for-mentorship-continuing-education)

## [3 Ideas Out of the Wells Fargo Scandal](https://blog.plansmith.com/3-ideas-out-of-the-wells-fargo-scandal)

## [FinTech & The Generational Melting Pot Effect](https://blog.plansmith.com/fintech-and-the-generational-melting-pot-effect)

## [True or False: Planning is a Verb?](https://blog.plansmith.com/true-or-false-planning-is-a-verb)

## [Bank CEOs and Directors: A Few Words on Risk Appetite](https://blog.plansmith.com/risk-appetite)

## [Survey Results: Strategic Planning for Community Banks](https://blog.plansmith.com/blog/strategic-planning-for-banks-recent-survey-results)

## [Community Bank & Credit Union Forum: Compass Roundtable June 2016](https://blog.plansmith.com/budgeting-for-banks-financial-compass-roundtable)

## [CEOs: 3 Thoughts on Strategic Thinking](https://blog.plansmith.com/ceos-3-thoughts-on-strategic-thinking)

## [Community Bank & Credit Union Forum: Compass Roundtable March 2016](https://blog.plansmith.com/community-bank-credit-union-forum-compass-roundtable-march-2016)

## [Ireland Bank: Community Banking Month Award Recipient](https://blog.plansmith.com/ireland-bank-community-banking-month-award-recipient)

## [Oxford Bank & Trust: Community Banking Month Award Recipient](https://blog.plansmith.com/oxford-bank-trust-community-banking-month-award-recipient)

## [Hastings City Bank: Community Banking Month Award Recipient](https://blog.plansmith.com/hastings-city-bank-community-banking-month-award-recipient)

## [1st Community Bank: Community Banking Month Award Recipient](https://blog.plansmith.com/1st-community-bank-community-banking-month-award-recipient)

## [Community Banks: Fun with Funds Transfer Pricing, Part II](https://blog.plansmith.com/community-banks-fun-with-funds-transfer-pricing-part-ii)

## [5 Things Your Community Bank's Website Needs](https://blog.plansmith.com/5-things-your-community-banks-website-needs)

## [How to Get Someone to Do What You Want](https://blog.plansmith.com/how-to-get-someone-to-do-what-you-want)

## [Your Email is Putting Your Bank at Risk](https://blog.plansmith.com/your-email-is-putting-your-bank-at-risk)

## [CEOs: 3 Important Thoughts on FinTech and Community Banking for 2016](https://blog.plansmith.com/ceos-3-important-thoughts-on-fintech-and-community-banking-for-2016)

## [Community Bank & Credit Union Forum: Compass Roundtable 2015](https://blog.plansmith.com/community-bank-credit-union-forum-compass-roundtable-2015)

## [Get Your Community Bank Started with Social Media Marketing](https://blog.plansmith.com/get-your-community-bank-started-with-social-media-marketing)

## [Community Banks: The Indiana Jones Sword vs. Gun Theory](https://blog.plansmith.com/community-banks-the-indiana-jones-sword-vs.-gun-theory)

## [Twitter for Community Banks: Now I'm A Believer](https://blog.plansmith.com/twitter-for-community-banks-now-im-a-believer)

## [Community Banks: Fun with Funds Transfer Pricing, Part I](https://blog.plansmith.com/community-banks-fun-with-funds-transfer-pricing-part-i)

## [When "Market Value" Really Isn't Market Value](https://blog.plansmith.com/community-banks-when-market-value-really-isnt-market-value)

## [Five Pillars of a Productive Community Bank Planning Process](https://blog.plansmith.com/five-pillars-of-a-productive-community-bank-planning-process)

## [Community Bank Planning is a Collaborative Activity, Part 2](https://blog.plansmith.com/community-bank-planning-is-a-collaborative-activity-part-2)

## [Community Bank Planning is a Collaborative Activity](https://blog.plansmith.com/community-bank-planning-is-a-collaborative-activity)

## [Community Bankers: Basel III, Confucius and Tom Hanks](https://blog.plansmith.com/community-bankers-basel-iii-confucius-and-tom-hanks)

## [Bank IRR: Backtesting…Necessary Evil or Just Evil?](https://blog.plansmith.com/community-banks-backtesting-necessary-evil-or-just-evil)

## [How Much Risk Can Your Community Bank Afford?](https://blog.plansmith.com/how-much-risk-can-your-community-bank-afford)

## [Independent Review, Model Validation, and Backtesting for Community Banks](https://blog.plansmith.com/independent-review-model-validation-and-backtesting-for-community-banks)

## [Community Bankers, There's Room For Improvement](https://blog.plansmith.com/community-bankers-theres-room-for-improvement)

## [Social Media 101: How to Get Your Community Bank Started](https://blog.plansmith.com/social-media-101-how-to-get-your-community-bank-started)

## [The Benefits of Using Social Media for Community Banks](https://blog.plansmith.com/the-benefits-of-using-social-media-for-community-banks)

## [Interest Rate Risk Is A Community Bank Behavioral Problem](https://blog.plansmith.com/interest-rate-risk-is-a-community-bank-behavioral-problem)

## [Community Bankers: The Most Popular Posts of 2014](https://blog.plansmith.com/community-bankers-the-most-popular-posts-of-2014)

## [2014: Plansmith's Year In Review](https://blog.plansmith.com/2014-plansmiths-year-in-review)

## [The Future Risk in Community Banking](https://blog.plansmith.com/the-future-risk-in-community-banking)

## [Community Bankers: Year-End is Almost Here!](https://blog.plansmith.com/community-bankers-year-end-is-almost-here)

## [Community Banks, Budget Your Time!](https://blog.plansmith.com/community-banks-budget-your-time)

## [Community Banks: Establish Goals and Contingency Funding Plans, Part 2](https://blog.plansmith.com/community-banks-establish-goals-and-contingency-funding-plans-part-2)

## [Community Banks: Establish Goals and Contingency Funding Plans](https://blog.plansmith.com/community-banks-establish-goals-and-contingency-funding-plans)

## [Community Banks: Bring Meaning to the Numbers](https://blog.plansmith.com/community-banks-bring-meaning-to-the-numbers)

## [Do You Balance Your Community Bank's Checkbook?](https://blog.plansmith.com/do-you-balance-your-community-banks-checkbook)

## [What Happens In Vegas...](https://blog.plansmith.com/what-happens-in-vegas)

## [Is Your Community Bank Ready For Rising Rates?](https://blog.plansmith.com/is-your-community-bank-ready-for-rising-rates)

## [Why Community Bank ALCOs Fail: Staffing the ALCO](https://blog.plansmith.com/why-communtiy-bank-alcos-fail-staffing-the-alco)

## [Why Community Bank ALCOs Fail: The Wrong Tools](https://blog.plansmith.com/why-community-bank-alcos-fail-the-wrong-tools)

## [Why Community Bank ALCOs Fail: An Unclear Purpose](https://blog.plansmith.com/why-community-bank-alcos-fail-an-unclear-purpose)

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