Bank & Credit Union Insights

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Asset/Liability Management
Model Validation & MRM

Liquidity Management Items You Should Have Discussed “Yesterday”

Joe Bona

4 days ago

Liquidity Management Items You Should Have Discussed “Yesterday”

How can institutions prepare for a potential liquidity event? Here are the five discussions your organization should have already had.

Michael Hunker

4 days ago

Deposits360°® Monthly Industry Review

This month’s Review highlights notable trends and projections in DCG’s Deposits360°® database and deposit pricing and volume models.

Debunking 5 Credit & Capital Stress Testing Myths

John Demeritt

Apr 8

Debunking 5 Credit & Capital Stress Testing Myths

When it comes to why they’re not performing credit/capital stress testing, institutions generally share five common objections.

Joe Kennerson

Mar 27

Chipping Away at Deposit Costs

What are some initiatives to help balance retention while protecting against the cannibalization of lower-costing funds?

Zach Zoia

Mar 21

5 Questions for ALCO in 2024

Below are five serious questions that we believe the ALCO at your institution should be discussing and finding your own answers to.

Andrew Mitchell

Mar 7

Deposits360°® Monthly Industry Review

This month’s Review highlights notable trends and projections in DCG's deposit volume and pricing models.

Joe Kennerson

Feb 19

The Deposit Lag

The search goes on for the optimal deposit strategy to fund loan growth and manage funding costs.

Andrew Mitchell

Feb 8

Deposits360°® Monthly Industry Review

This month’s Review highlights notable trends and projections in DCG's deposit volume and pricing models.

Time for the Economic Value of Equity to Shine?

Bob Lallo

Feb 6

Time for the Economic Value of Equity to Shine?

How does the economic value of equity computation (EVE) provide more comprehensive information than current standards for disclosures?

The Risk Management “Health Check:” Three Steps to Better Decision-Making in 2024

Mark Haberland

Feb 1

The Risk Management “Health Check:” Three Steps to Better Decision-Making in 2024

For better, more confident decision-making in the year ahead, consider the three key steps of a risk management “health check.”

Andrew Mitchell

Dec 21, 2023

Deposits360°® Monthly Industry Review

This month’s Review highlights notable trends and projections in DCG's deposit volume and pricing models.

Keri Crooks

Dec 13, 2023

Things that make you go Hmmmm...

DCG has facilitated analysis with high-performing institutions that have decided to either execute or reject bond loss transactions.

Andrew Mitchell

Dec 4, 2023

Deposits360°® Monthly Industry Review

This month’s Review highlights key trends in the Deposits360°® Cross Institution Analytics database and deposit volume and pricing models.

Basis Points Up for Grabs: Four Deposit Focus Areas for 2024

Joe Kennerson

Nov 28, 2023

Basis Points Up for Grabs: Four Deposit Focus Areas for 2024

As we head into next year, here are four focus areas to consider as you position your institution to win funding cost basis points.

Eric Poulin

Nov 16, 2023

Balance Sheet Paralysis

Many financial institutions over the past 24-36 months have lost confidence in their interest rate risk models.

Laying Groundwork or Throwing Darts? Budgeting Through Uncertain Times

Joe Bona

Nov 13, 2023

Laying Groundwork or Throwing Darts? Budgeting Through Uncertain Times

As we all turn attention to the year to come, here are some key factors for management teams to consider when crafting their 2024 budgets.

The Effective Challenge Checklist: Three Action Items to Improve Model Performance

Mark Haberland

Oct 12, 2023

The Effective Challenge Checklist: Three Action Items to Improve Model Performance

When planning the validation of any key risk models, always consider three effective challenge action items.

Ryan Gilles

Oct 11, 2023

Control what you can control…

One of the most common questions we get from our clients is, “What should we do about our deposits?”

Darnell Canada

Aug 29, 2023

Those Awkward Adolescent Years

When I reflect on the state of the community banking industry, I can’t help but see a close likeness to those difficult adolescent years.

John Demeritt

Aug 7, 2023

Creating Loan Concentration Confidence

When asked, “John, where should we set our loan concentration policy limits?” I always answer in the same anti-climactic way: “It depends.”

Keith Reagan

Jun 28, 2023

DCG Annual Conference Wrap-Up

We are fresh from a stellar three days together with nearly 300 colleagues from banks, credit unions, regulators, and industry partners.

Jeff Reynolds

May 4, 2023

Matlock Looks at SVB and ALCO

A lot has been made of the loss position in SVB’s bond portfolio. Per the year-end call report, losses in Held to Maturity...

Effective Challenge: Necessary Evil or Valuable Opportunity

Tim Daniels

Mar 23, 2023

Effective Challenge: Necessary Evil or Valuable Opportunity

Everyone has that one friend, relative, or neighbor who always seems to ask the one question you don’t have an answer for.

The Basics of Liquidity Modeling and Documentation

Judi Kenney

Mar 23, 2023

The Basics of Liquidity Modeling and Documentation

To keep pace with competition and escalating regulatory expectations, many institutions have shifted their risk management philosophies.

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Bank & Credit Union Insights

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