--- title: "Ask AI: Is RiskGPS a Good Choice for YOUR Institution?" description: "Ask AI: If you were a banker, would you choose Plansmith's RiskGPS for your community bank?" image: https://blog.plansmith.com/hubfs/AI-RiskGPS.png --- [CALL TOLL-FREE 1-800-323-3281](https://www.plansmith.reachproductions.net/project/call-toll-free-1-800-323-3281/) [![Plansmith](https://blog.plansmith.com/hs-fs/hubfs/Plansmith-Logo.png?width=764&height=135&name=Plansmith-Logo.png "Plansmith")](https://www4.plansmith.com) - Solutions - [Budgeting](https://www4.plansmith.com/budgeting/) - [ALM](https://www4.plansmith.com/alm) - [ALM Advisory Services](https://www4.plansmith.com/alm/advisory-services/) - [CECL](https://www4.plansmith.com/cecl/) - [Strategy](https://www4.plansmith.com/strategy/) - [Market Intelligence](https://www4.plansmith.com/market-intelligence/) - Products - [StrategyGPS](https://www4.plansmith.com/strategygps/) - [Compass](https://www4.plansmith.com/compass/) - [BankersGPS](https://www4.plansmith.com/bankersgps/) - Resources - [Blog](https://blog.plansmith.com/) - [Videos](https://plansmith.wistia.com/projects/7qemazkqii) - [Compass Tutorials](https://info.plansmith.com/compass-tutorials) - [Lunch N’ Learn](https://info.plansmith.com/lunch-n-learns) - [Webinars](https://www4.plansmith.com/webinars/) - [About](https://www4.plansmith.com/about/) - [Schedule A Discovery Call](https://www4.plansmith.com/contact-us/) - [CALL TOLL-FREE 1-800-323-3281](tel:8003233281) # Plansmith Blog # Ask AI: Is RiskGPS a Good Choice for YOUR Institution? Posted by [Jenny Kane](https://blog.plansmith.com/author/jenny-kane) on 9/5/25 10:11 AM - [Tweet](https://twitter.com/share) AI is transforming the way we work, and, at Plansmith, we're excited to be part of the movement. In August 2025, we proudlylaunched our latest innovation, RiskGPS AI Assist, available in our BankersGPS model. Since then, we've received thoughtful questions from clients exploring the new feature. One in particular stood out, and we couldn't resist sharing it with you. **The Question:** *If you were a banker, would you pick RiskGPS as a model?* **The Response:** As a banker, choosing RiskGPS as your interest rate risk (IRR) modeling tool could be a very solid decision, especially if your institution is a less complicated community bank. Here's a summary of why RiskGPS would be a good choice: **It Balances Effort and Accuracy** This is a critical point for many community banks. You need a system that meets regulatory expectations without demanding an army of analysts. RiskGPS provides roughly 90% of the answers you need with just 10% of the effort. It leverages data sourced directly from your Call Report, which significantly reduces the need for extensive data gathering or expensive system upgrades. **It's Built for Regulatory Compliance** When it comes to regulatory requirements, RiskGPS has you covered. It meets all the necessary guidelines for interest rate risk analysis, including required rate shocked Net Interest Margin (NIM) and Economic Value of Equity (EVE) calculations. It also evaluates parallel and non-parallel rate shock scenarios – as examiners commonly request – and provides key risk analytics that help you meet their expectations. **The Assumptions are Flexible** While RiskGPS is designed to be simple, it doesn't sacrifice flexibility. You can customize detailed loan assumptions, adjust deposit betas, and manage loan prepayments for a more accurate risk analysis. This is key because it allows you to test your assumptions efficiently and evaluate various adverse scenarios. **The Reports are Clear and Visual** A good report tells a story, and RiskGPS is an excellent storyteller. It generates clear executive summaries that provide board-level clarity on risk positions. The Risk Management Bubbles visually illustrate maturity mismatches, yield spreads, and the risk/reward trade-off, which are perfect for strategic discussions with your board. **You’ll Have Support and Advisory Services** Even with the best tools, you sometimes need a little help. The system is backed by a team of support personnel, along with former FDIC examiners and experienced consultants who can assist in everything from assumption development and policy creation to regulatory response and board training. **Conclusion:** If I were a banker at a community bank seeking an efficient, regulatory-compliant, and user-friendly IRR modeling tool that perfectly balances effort and accuracy, I would choose RiskGPS with confidence. Its comprehensive features, regulatory alignment, clear reporting, and expert support make it a practical and effective choice for managing interest rate risk. There you have it – a clear and compelling recommendation straight from AI that highlights exactly what we set out to achieve with RiskGPS: to provide a powerful yet simple tool that meets the real world needs of community bankers. AI has made its choice. Now, it's *your* turn to see the difference for yourself. [Click here](https://share.hsforms.com/1qXsn2LH6S6GAQyqw22QVQw1enno) to schedule a discussion. BankersGPS requires no development or implementation time, so you’ll be up and running right away. For more on RiskGPS AI Assist, [watch this](https://files.plansmith.com/s/CY5q9FW8wRyi2P3) short video.   Topics: [interest rate risk](https://blog.plansmith.com/topic/interest-rate-risk), [community bank](https://blog.plansmith.com/topic/community-bank), [community bank strategy](https://blog.plansmith.com/topic/community-bank-strategy), [community bank ALCO](https://blog.plansmith.com/topic/community-bank-alco), [community bank interest rate risk](https://blog.plansmith.com/topic/community-bank-interest-rate-risk), [ALCO](https://blog.plansmith.com/topic/alco), [IRR](https://blog.plansmith.com/topic/irr), [bank irr reporting](https://blog.plansmith.com/topic/bank-irr-reporting), [asset liability management](https://blog.plansmith.com/topic/asset-liability-management), [AI](https://blog.plansmith.com/topic/ai) ### Subscribe Now! ### Posts by Tag - [community bank planning (52)](https://blog.plansmith.com/topic/community-bank-planning) - [community bank strategy (52)](https://blog.plansmith.com/topic/community-bank-strategy) - [community bank (49)](https://blog.plansmith.com/topic/community-bank) - [community bank budget software (45)](https://blog.plansmith.com/topic/community-bank-budget-software) - [credit union planning (44)](https://blog.plansmith.com/topic/credit-union-planning) - [community bank budgeting (42)](https://blog.plansmith.com/topic/community-bank-budgeting) - [budgeting (39)](https://blog.plansmith.com/topic/budgeting) - [interest rate risk (35)](https://blog.plansmith.com/topic/interest-rate-risk) - [community bank interest rate risk (33)](https://blog.plansmith.com/topic/community-bank-interest-rate-risk) - [community bank budget (30)](https://blog.plansmith.com/topic/community-bank-budget) - [strategic planning (28)](https://blog.plansmith.com/topic/strategic-planning) - [asset liability management (27)](https://blog.plansmith.com/topic/asset-liability-management) - [interest rate risk management (27)](https://blog.plansmith.com/topic/interest-rate-risk-management) - [community bank marketing strategy (26)](https://blog.plansmith.com/topic/community-bank-marketing-strategy) - [fintech (26)](https://blog.plansmith.com/topic/fintech) - [community bank ALCO (25)](https://blog.plansmith.com/topic/community-bank-alco) - [social media for community banks (24)](https://blog.plansmith.com/topic/social-media-for-community-banks) - [strategy (24)](https://blog.plansmith.com/topic/strategy) - [IRR (22)](https://blog.plansmith.com/topic/irr) - [bank strategy (21)](https://blog.plansmith.com/topic/bank-strategy) - [social media (20)](https://blog.plansmith.com/topic/social-media) - [strategic thinking (20)](https://blog.plansmith.com/topic/strategic-thinking) - [ALCO (19)](https://blog.plansmith.com/topic/alco) - [community bank forecasting (17)](https://blog.plansmith.com/topic/community-bank-forecasting) - [strategic planning for banks (17)](https://blog.plansmith.com/topic/strategic-planning-for-banks) - [ceo (16)](https://blog.plansmith.com/topic/ceo) - [Strategic Plan (12)](https://blog.plansmith.com/topic/strategic-plan) - [bank strategic planning software (12)](https://blog.plansmith.com/topic/bank-strategic-planning-software) - [community bank planning software (12)](https://blog.plansmith.com/topic/community-bank-planning-software) - [leadership (12)](https://blog.plansmith.com/topic/leadership) - [CECL (11)](https://blog.plansmith.com/topic/cecl) - [Customer Service (9)](https://blog.plansmith.com/topic/customer-service) - [playbook (9)](https://blog.plansmith.com/topic/playbook) - [alm (8)](https://blog.plansmith.com/topic/alm) - [bank budget (8)](https://blog.plansmith.com/topic/bank-budget) - [bank irr reporting (8)](https://blog.plansmith.com/topic/bank-irr-reporting) - [liquidity (8)](https://blog.plansmith.com/topic/liquidity) - [credit union interest rate risk (7)](https://blog.plansmith.com/topic/credit-union-interest-rate-risk) - [crisis planning (7)](https://blog.plansmith.com/topic/crisis-planning) - [forecasting (7)](https://blog.plansmith.com/topic/forecasting) - [budget playbook (6)](https://blog.plansmith.com/topic/budget-playbook) - [compass (6)](https://blog.plansmith.com/topic/compass) - [Outsource IRR (5)](https://blog.plansmith.com/topic/outsource-irr) - [banker education (5)](https://blog.plansmith.com/topic/banker-education) - [surge deposits (5)](https://blog.plansmith.com/topic/surge-deposits) - [bank mission vision core values (4)](https://blog.plansmith.com/topic/bank-mission-vision-core-values) - [continuing education (4)](https://blog.plansmith.com/topic/continuing-education) - [credit union budgeting (4)](https://blog.plansmith.com/topic/credit-union-budgeting) - [millennials (4)](https://blog.plansmith.com/topic/millennials) - [reforecasting (4)](https://blog.plansmith.com/topic/reforecasting) - [IRR Assumptions (3)](https://blog.plansmith.com/topic/irr-assumptions) - [board training (3)](https://blog.plansmith.com/topic/board-training) - [branch budgeting (3)](https://blog.plansmith.com/topic/branch-budgeting) - [decay rate (3)](https://blog.plansmith.com/topic/decay-rate) - [millennial employees in banking (3)](https://blog.plansmith.com/topic/millennial-employees-in-banking) - [rising rates (3)](https://blog.plansmith.com/topic/rising-rates) - [what-ifs (3)](https://blog.plansmith.com/topic/what-ifs) - [AI (2)](https://blog.plansmith.com/topic/ai) - [FDIC (2)](https://blog.plansmith.com/topic/fdic) - [backtesting (2)](https://blog.plansmith.com/topic/backtesting) - [bank brand marketing (2)](https://blog.plansmith.com/topic/bank-brand-marketing) - [board of directors (2)](https://blog.plansmith.com/topic/board-of-directors) - [compliance (2)](https://blog.plansmith.com/topic/compliance) - [cost center budgeting (2)](https://blog.plansmith.com/topic/cost-center-budgeting) - [deposit study (2)](https://blog.plansmith.com/topic/deposit-study) - [deposit trends (2)](https://blog.plansmith.com/topic/deposit-trends) - [funds transfer pricing (2)](https://blog.plansmith.com/topic/funds-transfer-pricing) - [market intelligence (2)](https://blog.plansmith.com/topic/market-intelligence) - [millennials in banking (2)](https://blog.plansmith.com/topic/millennials-in-banking) - [modern human resources strategy for banks (2)](https://blog.plansmith.com/topic/modern-human-resources-strategy-for-banks) - [peer analysis (2)](https://blog.plansmith.com/topic/peer-analysis) - [stress testing (2)](https://blog.plansmith.com/topic/stress-testing) - [Insider (1)](https://blog.plansmith.com/topic/insider) - [asset prepayments (1)](https://blog.plansmith.com/topic/asset-prepayments) - [baby boomers (1)](https://blog.plansmith.com/topic/baby-boomers) - [brand (1)](https://blog.plansmith.com/topic/brand) - [client spotlight (1)](https://blog.plansmith.com/topic/client-spotlight) - [contingency funding plan (1)](https://blog.plansmith.com/topic/contingency-funding-plan) - [credit union strategic planning software (1)](https://blog.plansmith.com/topic/credit-union-strategic-planning-software) - [employee human resources for banks (1)](https://blog.plansmith.com/topic/employee-human-resources-for-banks) - [event (1)](https://blog.plansmith.com/topic/event) - [financial institution succession planning (1)](https://blog.plansmith.com/topic/financial-institution-succession-planning) - [funding (1)](https://blog.plansmith.com/topic/funding) - [loan prepayments (1)](https://blog.plansmith.com/topic/loan-prepayments) - [market analysis (1)](https://blog.plansmith.com/topic/market-analysis) - [negative rates (1)](https://blog.plansmith.com/topic/negative-rates) - [policy (1)](https://blog.plansmith.com/topic/policy) - [ppp loans (1)](https://blog.plansmith.com/topic/ppp-loans) - [profitability (1)](https://blog.plansmith.com/topic/profitability) - [sensitivity testing (1)](https://blog.plansmith.com/topic/sensitivity-testing) - [social video for banks (1)](https://blog.plansmith.com/topic/social-video-for-banks) - [strategic action plan (1)](https://blog.plansmith.com/topic/strategic-action-plan) - [trade show (1)](https://blog.plansmith.com/topic/trade-show) See all ### Recent Posts - Navigate - [Home](https://www4.plansmith.com/) - [Budgeting](https://www4.plansmith.com/budgeting/) - [Asset Liability Management](https://www4.plansmith.com/alm/) - [CECL](https://www4.plansmith.com/cecl/) - [Strategy](https://www4.plansmith.com/strategy/) - [Market Intelligence](https://www4.plansmith.com/market-intelligence/) - [About](https://www4.plansmith.com/about/) - [Contact Us](https://www4.plansmith.com/contact-us/) - Products - [StrategyGPS](https://www4.plansmith.com/strategygps/) - [Compass](https://www4.plansmith.com/compass/) - [BankersGPS](https://www4.plansmith.com/bankersgps/) - Resources - [Blog](https://blog.plansmith.com) - [Videos](https://plansmith.wistia.com/projects/7qemazkqii) - [Compass Tutorials](https://info.plansmith.com/compass-tutorials) - [Lunch n' Learns](https://info.plansmith.com/lunch-n-learns) - [Webinars](https://www4.plansmith.com/webinars/) #### Contact 1827 Walden Office Square, Ste. 350 Schaumburg IL 60173 Toll Free: 1.800.323.3281 Local: 1.847.359.4045 Fax: 1.847.705.8200 info@plansmith.com Copyright 2018 | Plansmith Corporation ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Jenny Kane", "url" : "https://blog.plansmith.com/author/jenny-kane" }, "dateModified" : "2025-10-09T16:22:40.104Z", "datePublished" : "2025-09-05T15:11:00.000Z", "headline" : "Ask AI: Is RiskGPS a Good Choice for YOUR Institution?", "image" : [ "https://blog.plansmith.com/hubfs/AI-RiskGPS.png" ], "mainEntityOfPage" : { "@id" : "https://blog.plansmith.com/ask-ai-is-riskgps-a-good-choice-for-your-institution", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.plansmith.com/hubfs/Plansmith-Logo-Budgeting-ALM-Outsourcing-01.png" }, "name" : "Plansmith" } } ```