Liquidity Analysis and Management

2026-11-03

Cash & Liquidity • Analysis of Steuben County ’ s aggregate daily cash flow across multiple banks and accounts • On - going comprehensive analysis of Steuben County ’ s liquidity across multiple banks and accounts • Breakdown cash into various levels of liquidity based on how long cash historically remains on deposit • Forecast liquidity utilizing worst - case scenarios to instill greater confidence with increased investment ; Anticipated Cash & Liquidity Deliverables to be Provided : • Third - party , independent , and objective advice based on cash flow and liquidity data analysis • Three - to five - year forecasting of Steuben County ’ s cash position to maximize the value of cash and ensure sufficient liquidity to cover on - going expenditures and other periodic costs • Insight through data and analysis detailing trends of cash available throughout the year • Periodic liquidity reports aimed at maximizing investment opportunities and ensuring the availability of cash needed for on - going operating and other expenses • Data to help Steuben County Finance officials make educated decisions with regard to cash liquidity to cover expenditures while maximizing earning and saving potential • Generate increased interest earnings due to greater investment and more market - competitive rates ; Banking Analysis • Review and monitoring of banking transaction fees , compensating balance requirements , and other fees / charges being imposed by the various banks and accounts utilized by Steuben County • Evaluate potential opportunities for savings and / or cost avoidance by ‘ rightsizing ’ fee structures • Ensure compliance with the New York State ( NYS ) Comptroller ’ s cashmanagement audit requirements as well as all applicable NYS Statutes , Laws , and Regulations ; Anticipated Banking Analysis Deliverables to be Provided : • Recommendations for optimizing account structures and banking relationships • On - going peer benchmarking of interest rate data ( e . g . Certificate of Deposit ( CD ) rates , money market account rates , checking account rates , etc …), so Steuben County is aware of the rates other municipalities are receiving

New York

2026-04-28