Zach Zoia
The Prediction Issue
No one can predict the rate and economic environment. Yet, we can make sure we have strong risk management cultures in place.
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Bank & Credit Union Insights
Matt Pieniazek
- 6 days ago
Bank Failure Fallout: A Risk Management Checklist for Institutions
The Darling Consulting Group team has been in contact with hundreds of banks and credit unions since the bank failure situation unfolded.
Joe Kennerson
- Feb 2
2023 Outlook for Deposits: Three Action Items
The ability to lag deposit pricing is clearly over and retaining balances, let alone growing new funds, will be a challenge.
Steve Boselli
- Jan 26
2023: The Year of the "Uncertain" Budget
If there were ever a time when institutions spent countless hours to be “precisely incorrect,” it was the 2022 budgeting process!
Andrew Mitchell
- Jan 19
Deposits360°® Monthly Industry Review
The monthly Review highlights key trends in the Deposits360°® Cross-Institution database and deposit forecasting models.
Bob Lallo
- Dec 6, 2022
Applying Multiple Perspectives to the “Loss Trade”
DCG Managing Director Bob Lallo analyzes some of the key considerations surrounding the “Loss Trade.”
John Demeritt
- Nov 10, 2022
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.
Zach Zoia
- Oct 27, 2022
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, 2022
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 8, 2022
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, 2022
The Hidden Risk Behind Earnings Projections
Over the last three months, a hidden risk dynamic has crept into many institutions’ interest rate risk profiles.
John Demeritt
- Aug 8, 2022
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 4, 2022
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 8, 2022
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 29, 2022
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 22, 2022
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 11, 2022
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 26, 2022
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...
Darnell Canada
- Apr 6, 2022
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 15, 2022
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...
Tap into the latest bank and credit union insights from across the DCG team.
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