Asset/Liability Management Consulting

Independent advice and best-in-class modeling

Unlock the Full Power of Your ALM Strategy

Managing your institution’s balance sheet while optimizing performance and controlling risk is critical to strategy, but increasingly difficult to execute. With experience spanning tens of thousands of quarterly ALCO sessions over 40+ years in the business, DCG consultants bring the expertise and data-driven insight needed to help you make faster, smarter, and more defensible decisions. When independent advisory meets best-in-class modeling, ALCO becomes a tool for driving results, not just monitoring them.

How We Work With You

Talk With Us

ALM model outsourcing
ALM education & regulatory assistance
Peer analytics and trends
High-performing ALCO best practices
Early warning systems for managing risk
Capital planning & budgeting
Credit stress testing

Asset/Liability Management Software
Independent advice
ALCO facilitation
Liquidity management & reviews
Loan prepayment analysis
Core deposit studies

Case Study: First United Bank Working with DCG

Get to know First United Bank and Trust Company as they celebrate 30 years of community banking and reflect on how their work with DCG has supported their growth goals and desire to strengthen the communities they serve. Watch to learn how First United Bank takes a strategic approach to ALCO by leveraging collaboration, connection, and education to drive stronger insights and more confident decision-making.

Video: 3:20 Minutes

Client Results

Improved net interest income by 10% for $1B institution via execution and defense of portfolio lending strategy.

Devised and facilitated “de-risk” plan for $200M credit union under regulatory order without increasing funding costs or reducing interest income levels.

Developed cash deployment plan for $700M bank with over $100M in cash to optimize liquidity yield by an extra 130bps while maintaining asset sensitive preference.

Recommended on and off balance sheet hedging strategies for $6B bank that reduced falling rate exposure by 50% and added millions of dollarsof current and future earnings.

See More Examples of Client Results

Tune-up your ALM process with a Complimentary ALCO Review

Experience what it's like to work with DCG and discover actionable steps to better align your strategy with your long-term goals and risk tolerance. See how you can optimize profitability, enhance oversight and compliance, adapt to a dynamic market, and build decision making confidence.

What to expect:

Idea sharing between key stakeholders at your institution and DCG
60-90 minute ALM session with a DCG consultant focusing on your data
Reviews of policies, ALCO materials, and your critical areas of focus
Address regulatory concerns and potential steps to improve your ALCO process
Custom-tailored strategy recommendations for all aspects of your balance sheet

Schedule Complimentary ALCO Review

How Do You Build a Better ALCO?

DCG consultants have contributed to tens of thousands of quarterly ALCO sessions over 40+ years in the business. Get to know members of the DCG team as they discuss what defines a best-in-class ALCO, and the steps any institution can take to enhance their next meeting.

Video: 3:05 Minutes

Watch More DCG Consultants in Action

Using Tie-Breakers for Clear & Confident Strategy

Feeling paralyzed in your decision-making process? In this uncertain environment, you're not alone, but doing nothing can be just as harmful to your bottom line. Get unstuck with tie-breakers. Learn how institutions are enabling clear and confident decision-making.

Video: 3:05 Minutes

Listen to Your Balance Sheet

What does it really mean to “listen” to your balance sheet? Get to know members of the DCG consulting team as they share how institutions are taking bias out of decision-making and tuning into their data.

Video: 2:30 Minutes