John Demeritt
Bracing for the "Ripple Effect"
Critical Risk Management Action Items for Asset Quality, Earnings, & Capital. In recent weeks, regulators have signaled concern at levels...
top of page
Bank & Credit Union Insights
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...
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...
Mike Mitchell
- Apr 29, 2021
Bet On Your Balance Sheet, Not Interest Rates
Working on the definitive answers to questions on these key areas to execute an informed financial strategy...
Vinny Clevenger
- Apr 23, 2021
Maintaining Composure in Turbulent Waters
The ability to remain composed and to make practical decisions are the most critical factors in navigating a boat in turbulent waters...
Joe Kennerson
- Apr 6, 2021
The Asset Extension Dilemma
Margin pressure remains one of the industry’s biggest challenges today. The good news is higher rates and a steeper yield curve present...
Tap into the latest bank and credit union insights from across the DCG team.
bottom of page