Bank & Credit Union Insights

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

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

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.

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

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.

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

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

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...

DCG has performed model validations for banks and credit unions of all sizes and balance sheet complexities for well over a decade.

No one can predict the rate and economic environment. Yet, we can make sure we have strong risk management cultures in place.

The Darling Consulting Group team has been in contact with hundreds of banks and credit unions since the bank failure situation unfolded.

The ability to lag deposit pricing is clearly over and retaining balances, let alone growing new funds, will be a challenge.

If there were ever a time when institutions spent countless hours to be “precisely incorrect,” it was the 2022 budgeting process!

DCG Managing Director Bob Lallo analyzes some of the key considerations surrounding the “Loss Trade.”

How will the recession impact your institution? Particularly in these volatile economic times, stress testing can help drive an answer.

Consider alternative outcomes to the rate forecasts we have been offered by both the Federal Reserve & the markets.

Institutions must try to change the conversation around lending strategy if they truly want to set themselves apart from competition.

Financial institutions are in the business of taking calculated risks, but it is the responsibility of ALCO to measure and manage them.

In the summer blockbuster Top Gun: Maverick, we catch up with Lt. Pete Mitchell (call sign: Maverick) as he breaks Mach 10 in an...