Stop finding out your survival horizon from a spreadsheet.

ILST stands for Internal Liquidity Stress Testing. It is the process banks and credit unions use to model how a funding-stress scenario, such as a deposit run or a market-wide liquidity shock, would affect their ability to meet obligations, and to size the funding buffer and contingency actions needed to survive it.

FR 2052a is the Federal Reserve’s Complex Institution Liquidity Monitoring Report. It requires large financial institutions, at or approaching the $100 billion asset threshold, to submit detailed daily or monthly data on cash flows, funding sources, and liquid asset holdings, which the Federal Reserve uses to calculate the institution’s LCR and NSFR.

Empyrean Liquidity runs a full range of regulatory scenarios: baseline through severe stress for smaller institutions, and a complete library covering idiosyncratic, market-wide, and combined shocks for regional and large financial institutions. Scenarios are pre-built to supervisory guidance and ready to run, with custom calibration available when you need it.

FR 2052a, the Federal Reserve’s Complex Institution Liquidity Monitoring Report, requires daily and monthly data submission from institutions approaching or above the regulatory threshold. For large institutions, Empyrean Liquidity automates FR 2052a data collection and cashflow generation for both submission frequencies, with built-in data-quality controls and reconciliation support. LCR and NSFR are calculated with HQLA eligibility enforced automatically, so the number you submit is one your team can stand behind confidently.

A spreadsheet can produce a number. It can’t tell you which scenario would strain your funding, and it can’t reproduce the same run the same way twice with confidence. The real cost isn’t the license. It’s the week your team spends reconstructing how a number was built when your CFO or board needs the answer now and it lives in one person’s memory. Empyrean replaces the manual process with a governed workflow that documents itself as you work – saving time and stress.

Yes. Liquidity risk and interest-rate risk are separate regulatory disciplines, so Empyrean Liquidity doesn’t require Empyrean ALM to deliver value. If you’re already an Empyrean ALM customer, Liquidity runs on the same platform under the same governance model, and the data you’ve already prepared for ALM can be put to work here from day one. If your ALM is elsewhere, Liquidity stands on its own.

It’s who Empyrean Liquidity is built for. You don’t need a model-risk function or a quant on staff to see where your funding would strain first. Start with the pre-built baseline scenarios, get a documented answer on your first run, then add depth as your team is ready.

If your institution doesn’t have FR 2052a obligations, you don’t need that part of the platform yet. But knowing where your funding would strain first is useful well before a regulator requires you to prove it. That’s why documented stress testing is now expected of institutions well below the $100B line. Start with a right-sized ILST program today, and the same platform adds FR 2052a and the more granular ILST complexity it requires if and when you approach that obligation, with no rip-and-replace.

It depends on how your data reaches us. Liquidity supports manual upload or a direct connection to your data warehouse, so there’s no new pipeline to design before you can run a scenario. Institutions configuring baseline-through-severe scenarios can start there and calibrate later. Adding FR 2052a reporting means more configuration (HQLA eligibility rules, encumbrance tracking, submission workflows), but the clock starts on getting an answer, not on building infrastructure.

Your CFP gets evaluated against the actual outcomes of each stress run, instead of existing as a document that’s tested once a year and filed away. That means you know whether your funding plan would hold up in the scenario you just ran, not just whether it looks complete on paper. Empyrean builds that linkage into the workflow rather than leaving it as a manual step.

Neither. Empyrean Liquidity is right-sized. It starts with baseline scenarios and grows into full FR 2052a reporting and a complete ILST scenario library as your requirements grow, on the same platform, so you don’t replace the system when your regulatory obligations change.

It runs on the same platform as Empyrean ALM, CECL, and Budgeting & Planning, with the same maker-checker governance and the same audit-trail discipline those modules already run for more than 350 institutions. Chartis Research named Empyrean a Category Leader in Liquidity Risk Management in its ALM 2025 RiskTech Quadrant report. We built the platform for balance sheet intelligence. Liquidity is the newest app running on it.