Over the last fifteen years, American Planning has built and refined a financial model that is flexible enough for a variety of de novo bank business models. The output of the model addresses all regulatory requirements and has been accepted by every regulator that has reviewed it. Our team of professionals will work with your management team to identify key planning assumptions, load the assumptions into the model, supplement your data with standardized information on items you may not be able to project and deliver a complete financial model for your review. During the model development process, our capital adequacy analyses provide guidance to the organizing group in defining the minimum and maximum capital raise levels. We can run as many iterations of the model as necessary to ensure that your team takes ownership of the business model, understands the drivers of success and profitability and is able to explain the plan and its assumptions to your regulators.