December 2, 2025
Could a Pre-Funding Strategy Help Your Institution as Rates Fall?
By Drew Simmons
What a wild ride 2025 has been.
Before the year began, there were multiple projected rate cuts by the Fed, but it took until August before rates were finally cut.
During this time, market participants were in a state of paralysis. Despite positive declines in inflation since 2023, growth in 2025 remained strong, and the labor market was seemingly healthy. The Fed’s dual mandate was at a crossroads until August when its tone turned dovish and the focus pivoted from inflation concerns to waning job growth.
Drew Simmons
Drew Simmons is the Oklahoma regional account manager on FHLBank Topeka’s Member Engagement and Solutions team. He was a senior banker at The Baker Group before joining FHLBank in 2021. Drew has an MBA from Oklahoma City University, and he is the co-host of Financial Intelligence Live, a quarterly webinar from FHLBank.
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