ALM starts with Empyrean.
Know what changes in interest rates mean for your balance sheet position faster, and with the context of how this may impact other aspects of your business.
Empyrean ALM provides a compass for strategic decision-making that provides the needed link to financial planning, profitability, capital and liquidity risk.
Trusted by more than 700 institutions
End-to-end interest rate risk workflow management purpose-built software for decision-making.
Empyrean ALM is asset liability management software for banks and credit unions designed to measure interest rate risk and construct balance sheet strategies on a platform shared with CECL, liquidity risk, budgeting & planning, and profitability solutions.
Finance, treasury, risk, and ALCO work from a common set of assumptions. The model provides speed and accuracy to quickly assess balance sheet strategies and meet supervisory expectations.
See interest rate risk in one place.
NII and EVE/NEV across unlimited interest rate paths.
Model deposits the way they behave.
Repricing and decay calibrated to your data, not a generic curve.
Test the decision before you make it.
Run rate, funding, pricing, and growth scenarios on demand, before ALCO commits.
Funds Transfer Pricing without a second system.
One built-in FTP engine, shared with Profitability.
Defend every number, down to the input.
A model you own, with change tracking, a full audit trail, and inputs visible in-platform or in Excel.
Run capital and CECL leveraging common assumptions.
One cash-flow engine across ALM, CECL, capital & liquidity stress testing, budgeting & planning, and profitability.
How Empyrean ALM compares.
Here's how spreadsheets, a legacy ALM platform, and Empyrean compare.
The Profitability & CECL connection
Your FTP engine, your cash flow engine, and your risk models. All shared and accessed on the same platform.
Empyrean ALM generates your funds transfer pricing and shares one cash-flow engine with CECL, liquidity, budgeting & planning, and profitability. The FTP rates from your ALM model flow directly into Profitability, and the same prepay assumptions drive your CECL reserve and your budget. No manual exports, no re-keying, and no quarter spent explaining to examiners why two systems disagree.
Recognized as the Industry Standard
Built for institutions your size.
ALM looks different at a $1.5B community bank where a two-person team runs the quarterly ALCO report versus a $30B regional with multiple business lines, enhanced expectations, and an enterprise model risk management function. Empyrean’s scalable design solves for those needs effectively.
Defensible interest rate risk, right-sized for your team.
You don't have a quant team or a 12-month implementation budget, but your examiners still expect documented, repeatable IRR analysis and ALCO reporting. Empyrean ALM gives a two- or three-person Treasury and Finance team a model they can run, explain, and defend every quarter, and use to make a funding call in between.
Exam-ready ALM your team can actually run.
Interest rate movements and volatile deposit behavior demand faster, more dynamic analysis than a spreadsheet can produce. Here’s what changes when you move off spreadsheets and legacy tools that were never built for a lean and agile team.
Right-sized for community banks and credit unions, not adapted from an inflexible enterprise tool.
A scalable ALM solution designed to meet your business where they are today:
- Start right-sized, grow over time. A curated chart of accounts and standard reporting offer you a starting point. Add depth as you grow in size and complexity.
- Built around how your team already works. Workflows built for how risk and treasury load data, validate assumptions, and share results.
- Keep Excel where it helps. Assumptions and results visible in the platform, with the Excel reporting your team wants and your board already reads.
- One set of numbers. Balance Sheet assumptions consistent across ALM, CECL, budgeting & planning, and profitability.
- No black box. Every assumption is yours to input, view, document, and defend.
For Regional FI
Interest rate risk scenarios modeled in minutes, not hours.
Empyrean ALM gives you multi-scenario simulation results in minutes, governance and controls the process requires, and results your board, your examiners, and your auditors can all trust.
Everything a complex balance sheet needs, in one workflow.
Answer balance sheet strategy questions at today’s pace, not your platform's.
Run NII, EVE/NEV, and dynamic balance-sheet scenarios in minutes, not hours or days.
Walk into ALCO ready.
Standard policy runs, enhanced what-if analysis, balance sheet strategies and optimization.
Model the balance sheet you actually have.
Complex product hierarchies, multi-entity structures, and custom scenarios, built to solve the problems you face today.
Shared assumptions that foster confidence in your decisions.
ALM, CECL, and budgeting & planning share assumptions, and FTP rates flow to Profitability automatically.
Give the board numbers it can act on.
Transparent reporting, with every figure traceable to its source in-platform or in Excel.
Advanced analysis that leads to better decisions.
Dynamic balance sheet approaches and hedge optimization allow for deeper analysis and discussion.
Stronger connected. Complete on its own.
On the Empyrean platform: ALM, CECL, budgeting & planning, and profitability share common engines and assumption sets, so the inconsistency between models across the risk stripes goes away and FTP flows straight to Profitability metrics.
On its own: Even standalone, you get a modern data architecture, impressive performance, multi-scenario depth across risk stripes, and institutional-grade documentation. The integration is the multiplier, not the requirement.
Built to scale.
Sized for where you’re going, not just where you are.
The legacy platform that’s slowing you down at $10B becomes a liability as complexity grows, and consultant dependency and disconnected assumptions become a governance risk. Empyrean ALM scales across the thresholds that define this segment, adding depth as requirements grow, without a rip-and-replace at $50B.
Banks like yours don't go back to the legacy platform.
“With Empyrean’s automation, our monthly ALM build is now a push-button process. We’ve replaced over 80 manual steps, saved about a day of production time, and most importantly shifted our focus to analysis instead of administration. If something looks off, we zero in on the data or a specific script block and move fast.”
— Daniel Rivera, Senior ALM Analyst, Hancock Whitney Bank ($36B)