The U.S. is experiencing a massive demographic shift driven by the aging Baby Boom generation, declining birth rates and shifts in immigration trends. What effect will aging have on the banking outlook? In the season finale of the ABA Banking Journal Podcast, ABA economist JP Rothenberg discusses how America’s aging population:

• Shifts balance sheet management strategies with a surplus of stable deposits by weaker localized loan demand.
• May increasingly push banks into new markets to drive loan growth, which further accelerates consolidation.
• Magnifies credit risk during downturns in the tail of the risk profile
• Increases opportunities for personalized wealth management solutions and expands the growth prospects of senior-serving business sectors.

Alongside the commercial and consumer markets, institutional banking is one of three strategic pillars of $70 billion-asset UMB Bank. On the latest episode of the ABA Banking Journal Podcast, UMB’s Phil Mason discusses:

• How institutional banking — which includes capital markets, corporate trust, custody and health savings accounts — fits into the business model of the Kansas City, Missouri-based bank and helps extend its footprint coast-to-coast.
• Investments in technology to support the growth of institutional banking.
• The recent expansion in HSA eligibility and how UMB Bank uses the product to engage both business clients and consumers.
• How UMB sources the right mix of talent — particularly from within — to support the diverse and individualized needs of its institutional clients.

What does the future hold for bank risk and compliance professionals? On the latest episode of the ABA Banking Journal Podcast, Krysti Cunningham of Security National Bank in Omaha, Nebraska — and winner of the 2025 Distinguished Service Award for Risk and Compliance — discusses:

• The technological transformation in risk and compliance at community and midsize banks.
• How technological change is driving the industry toward specialization.
• Applications for AI tools and LLMs in risk and compliance — and how to manage risks associated with this transformation.
• The importance of constant learning as a risk and compliance professional.