DALLAS–ALM First has kicked off its Financial Institute here, reporting a record 225 on hand for the economic overview it tailored to financial institutions. 

According to the company, Jason Haley, ALM First’s chief investment officer, addressed critical market themes impacting depositories in 2025. 

“From uncertainty surrounding tariffs to inflation levels and pockets of credit risk, depositories are facing an evolving set of challenges this year,” ALM First said in a statement. “The fundamentals for the economy are still sound, but negative trends in sentiment could slow spending, and choppiness is anticipated ahead.”

The event is being held at the Ritz-Carlton Dallas, Las Colinas, Texas.

‘Waiting for Clarity,’ But…

“Everyone’s waiting on more clarity,” Haley told the meeting. “If the noise subsides and the focus shifts back to tailwinds, like potential tax reductions and deregulation, consumer and corporate investment could resume.”

While the Fed remains in wait-and-see mode, ALM First reported Haley reminded the audience that uncertainty means higher volatility and depositories will need to stay disciplined with pricing and use risk management tools, like hedging, where needed. 

Other general sessions included Depository Trends & Regulatory Priorities along with an open forum discussion, Navigating What Lies Ahead, with ALM First’s entire executive management team.

The learning tracks, Board, Fundamental, and Funds Management, are customized to meet the knowledge level of attendees and best serve their role within the institution, ALM First said.