Consulting & Planning Services

Management Consulting & Planning Services

What's next for your financial institution, and how will you achieve those goals? Answering those questions requires careful strategic planning. In a fluctuating market, banks and credit unions need a trusted advisor to help them plan for sustainable growth and profitability.


Young & Associates offers trusted guidance to support financial institutions through a variety of management consulting and planning services. From capital planning to strategic planning, we offer proven methodologies that support long-term profitability and shareholder value within the accepted appetite for risk. Having spent decades working in the industry, our consultants lean on their years of experience to help your financial institution solve complex challenges and plan for the future. Contact us to get started.

Our Management Consulting & Planning Services

Stock Valuations
Stock Valuations
Stock Valuations

For banks, understanding and proactively managing shareholder value is vital. Our experience in merger and acquisition activities, bank formations and other capital market transactions gives us the expertise to help clients understand their market value and make informed decisions as they implement strategic initiatives.

Strategic Planning

Our strategic planning consultants are former CEOs and senior executives, so we understand the realities of everyday bank operations. We’re a leader in assisting financial institutions in moving successfully through the strategic planning process. We remain flexible to your bank’s specific needs and work with you to create a vision with both a short- and long-term focus.

Succession Planning

Management succession is one of the most difficult processes to complete in any institution. Young & Associates brings objectivity to a process that is very personal. We will assist you so that management succession meets the needs of management, the board of directors and the institution as a whole.

Succession Plan
Succession Plan

Think of budgeting as the nuts and bolts of profitability. Understanding this process enhances your ability to increase profits. Through analysis of key ratios and prior years’ budgets, we can help you determine positive and negative variances, as well as strengths and weaknesses. We examine your peer averages and project net interest margin and make recommendations to help monitor and control your budget.

Capital Planning
Capital Planning
Capital Planning

Young & Associates offers guidance in the process of determining capital adequacy based on bank-specific risks. We help develop capital contingency plans to ensure maintenance of the required level of capital through any realistic stress event. Periodic reviews of minimum capital requirements and stress tests can provide valuable insights. Young & Associates’ Capital Planning System streamlines planning and stress testing.

Profit Planning

Increasing profitability, both short- and long-term, is critical to your financial institution’s success and, in many cases, its survival. Young & Associates will analyze various components of your stream of earnings and identify areas to pursue to increase bottom line and shareholder value. Beyond identification, we make specific and detailed recommendations your institution can implement on its path toward superior performance.

Regulatory Enforcement Agreements

Using a field-tested and regulator-tested methodology, Young & Associates has participated in more than 25 successful bank turn-arounds and regulatory enforcement remediations. We customize our method to meet your specific needs and incorporate industry and regulatory standards guided by our management expertise.

Interest Rate Reviews
Interest Rate Review
Interest Rate Review

Our Interest Rate Risk (IRR) Review report offers corrective actions, recommendations for improving interest rate risk management systems and compliance with regulatory guidance. We can assist you in assessing your ability to meet the requirements of the Joint Policy Statement on IRR and the subsequent regulatory guidance.

Liquidity Reviews

Our detailed liquidity risk review reports offer an assessment followed by suggested corrective actions and recommendations for improving risk management systems and compliance with regulatory guidance. Our liquidity reviews can help you meet requirements for the Joint Policy Statement on Interest Rate Risk (IRR), as well as the Interagency Guidance on Funding and Liquidity Risk Management.

Connect with a consultant

Contact us to learn more about our consulting services and how we can add value to your financial institution