October 2025

Adam Lutostanski

Business Banking VP Duston Detrick explains how a government shutdown stalls SBA loans, mortgages, and economic reports—affecting growth, consumer confidence, and Fed policy decisions. He warns of cracks beneath a strong market and urges long-term planning amid uncertainty.

10/02/2025: Duston Detrick - Shutdown’s impact on business growth, Fed policy & market stability

With the latest government shutdown underway, Adam Lutostanski reports its potential downward impact on the GDP and delays of key reports, heightening uncertainty. Midwest business stays strong while cutting costs and seeing slower growth. Adam also shares how investors and businesses can stay conservative but be ready to act on opportunity.

10/09/2025: Adam Lutostanski - What a Shutdown Means for Businesses and the Economy

The U.S. dollar has dropped vs overseas currencies this year amid tariff uncertainty and expectations of lower rates. The euro and yen face political pressures, and the Canadian dollar weakens with oil prices. Angie Kappel offers perspectives to keep in mind as FX markets react to currency and trade tensions. 

10/16/2025: Angie Kappel - Global Currency Shifts: Dollar Weakens Amid Ongoing Uncertainty

As the year comes to an end, SVP/Private Banking Group Manager Caryn Levey urges financial checkups amid new OBBB Act changes. Review tax brackets, deductions and savings tools with advisors. Use FSA funds, maximize retirement contributions and lock in higher savings rates before Fed cuts. Plan ahead—smart budgeting and guidance can help you start 2026 strong. 

10/23/2025: Caryn Levey - Year-End Financial Moves Amid New Tax and Savings Changes

Mortgage rates are trending down, with 30-year fixed rates hovering just over 6%, while refinancing is up sharply. Kim Adams notes still-tight inventory despite rising construction activity, as adjustable-rate loans gain popularity. Her advice: refinance or buy when it fits your budget—rates may drop slightly next year, but home prices likely won’t. 

10/30/2025: Kim Adams - Mortgage Rates Ease as Refinancing Rises: What Homebuyers Should Know

Adam Lutostanski, Associated Bank’s new head of Illinois Commercial Banking, tells a little about his new role and lends his perspective to issues that will impact banking and business in the upcoming year.    Topics touched on include the benefits and drawbacks of artificial intelligence in banking and lending, why the banker/client relationship still matters, and how Associated Bank strikes a balance.  Lutostanski also discusses digital currencies as well as the impacts of past and upcoming rate movements on both banks and businesses.

1/23/20: Adam Lutostanski - A Look Ahead to 2020

In the midst of economic uncertainties, some things remain the same, such as the need for a great commercial banking partner. Adam Lutostanksi, Head of Illinois Commercial Banking for Associated Bank, notes that Associated’s commercial banking team works hard to foster long-term relationships with clients, offering day-to-day insights and advice as needed.

03/19/2020: Adam Lutostanski - Commercial banking relationships built upon trust

Businesses are eager for advice; keeping in touch, listening and clearly communicating are key. Adam Lutostanski, leader of Associated Bank’s Illinois Commercial Banking Group, describes the ways his team is helping their clients through an uncertain economic climate. Other topics covered are the Fed and the specter of negative interest rates, as well what’s fueling the stock market’s recent uptick.

05/14/2020: Adam Lutostanski - How uncertainty is changing the conversation

Adam Lutostanski offers insights on the way customers are adapting to the “new normal” of doing business in a socially-distant environment. The classic bank drive-thru is making a comeback, offering personal service and customer comfort. But digital banking and cashless transactions are soaring, thanks to easy, fast and efficient technology for personal and business clients. Also, how the challenging economy is actually helping some businesses run better—and smarter.

07/09/2020: Adam Lutostanski - Customer Comfort Driving Today’s Banking

As the leader of a team that works with middle-market companies in the Chicago area, Adam Lutostanski is actually seeing some positives among his clients. The growth—and widespread adoption—of online banking, as well as bankers’ focus on keeping lines of communication open, is making it easier for them to keep on top of their finances. He also shares his outlook on how careful management of liquidity now can help companies can prosper and even grow in challenging times.

08/27/20: Adam Lutostanski - Guarded optimism in commercial sector

Some of Associated Bank's most well-respected financial leaders offer their analysis of current events in the financial world. You won't want to miss these conversations. From discussing local commercial real estate to assessing national and global economic trends to dissecting political implications on the banking industry – anything is fair game.