John Demeritt
Asset Quality, Earnings, and Capital, Oh My!
How will the recession impact your institution? Particularly in these volatile economic times, stress testing can help drive an answer.
Bank & Credit Union Insights
Zach Zoia
- Oct 26
Not so fast, my friend!
Consider alternative outcomes to the rate forecasts we have been offered by both the Federal Reserve & the markets.
Zach Zoia
- Oct 14
Unlocking Valuable Strategic Lending Insights
Institutions must try to change the conversation around lending strategy if they truly want to set themselves apart from competition.
Keri Crooks
- Sep 7
If your ALCO conversations haven't changed, be concerned
Financial institutions are in the business of taking calculated risks, but it is the responsibility of ALCO to measure and manage them.
Andrew Mitchell
- Sep 1
The Hidden Risk Behind Earnings Projections
Over the last three months, a hidden risk dynamic has crept into many institutions’ interest rate risk profiles.
Mark Haberland
- Aug 8
Going Beyond the "Tick & Tie"
It's time for your next model validation, but who should perform it - and how? Regulators make it clear that model validation is...
John Demeritt
- Aug 8
Bracing for the "Ripple Effect"
Critical Risk Management Action Items for Asset Quality, Earnings, & Capital. In recent weeks, regulators have signaled concern at levels...
Keith Reagan
- Aug 3
Top ALCO
In the summer blockbuster Top Gun: Maverick, we catch up with Lt. Pete Mitchell (call sign: Maverick) as he breaks Mach 10 in an...
Joe Kennerson
- Jul 7
Transforming Deposit Pricing from an Art to a Science: Five Essential Analyses
What if deposit pricing could be more of a science and less of an art form? When I ask bankers how their teams make deposit pricing...
Jeff Reynolds
- Jun 28
The Scenario Nobody Talks About
In the asset/liability management business, we spend a lot of time running “what ifs.” These are scenarios that make us think, analyze...
Billy Guthrie
- Jun 21
Deposit Competition Will Intensify... Are You Prepared?
The FOMC increased the Fed Funds rate by another 75bps last week for a total of 150bps over the last three months, the most aggressive...
John Demeritt
- May 10
Inflation: Three Outcomes that Could Test Capital Resiliency
Leverage and net worth ratios have declined, on average, by over 1% since the onset of the pandemic, driven by inflated balance sheets...
Mike Mitchell
- Apr 25
Now Is the Time to Do Our Homework on Deposits
The definition of preparation is: the action or process of making something ready for use or service or of getting ready for some...
Michael Guglielmo
- Apr 11
Getting Model Risk Management Right
Good model stewardship demands policies, sound data, education, documentation, and follow-through.
Darnell Canada
- Apr 5
Looking at the Cash/Investment Strategy Through a Rear View Window
In November, I wrote about widespread fears of rising market rates and the related risks and rewards of adding duration to the cash and...
Vinny Clevenger
- Mar 14
Navigating through an Uncertain Forecast
During the boating season, I find myself constantly checking weather reports. I have several applications on my phone that I scroll...
Darnell Canada
- Nov 30, 2021
Not the Dreaded "D" Word
The year was 1996 and I was in an ALCO meeting early in my career. The topic of the conversation was interest rate risk and someone...
Joe Kennerson
- Nov 18, 2021
Searching for the Silver Bullet
Any silver bullet strategies?” This is a question we have received more this year than in any past year. The silver bullet quest is to...
Justin Bakst
- Oct 7, 2021
Past, Present, and the Future with Predictive Analytics
Almost 30 years ago, George Darling published a short book titled, The Business of Banking for Bank Directors. In the opening paragraphs...
John Demeritt
- Oct 7, 2021
The Capital Conundrum
The onset of the pandemic and economic shutdown brought fear to the industry. Credit losses appeared imminent for many financial...
Zach Zoia
- Sep 9, 2021
Changing the Conversation
We all know that despite the challenges in our world with the pandemic, 2020 was a very strong year for earnings. 2021 has followed suit...
Joe Kennerson
- Aug 27, 2021
How to Profit from Your Next Deposit Study
The recent pandemic created the largest amount of excess liquidity in history. The industry has never been more flush with excess cash...
Keri Crooks
- Aug 10, 2021
Summertime Stories
I am excited to share three “summer stories” with parallels to banking and highlight themes that should be top of mind for this last half...
Jeff Reynolds
- Jun 22, 2021
"2000 Zero-Zero Party Over Oops Out of Time. So Tonight I'm Gonna Party Like It's 1999." -Prince
For many of us, those words and that song might have been the last we heard on New Year’s Eve in 1999, almost two decades after its...