Bank & Credit Union Insights

Deposit pressure may continue in the early stages of a Fed easing cycle. Here are four strategies for a proactive falling rate game plan.

DCG's Senior Analysts summarize key themes from the 40th Annual Balance Sheet & Model Risk Management conference.

For Current Expected Credit Losses (CECL) models, building a sound monitoring program and creating periodic reporting can be challenging.

A new FHFA report examines the FHLBanks' 90-year legacy and proposes some transformative goals. Here are the key points and take-aways.

A quantitative perspective on the next economic downturn.

How can you transform a stale and Dreaded ALCO meeting into one that members look forward to attending? You need to flip the script.

How can institutions prepare for a potential liquidity event? Here are the five discussions your organization should have already had.

When it comes to why they’re not performing credit/capital stress testing, institutions generally share five common objections.

What are some initiatives to help balance retention while protecting against the cannibalization of lower-costing funds?

Below are five serious questions that we believe the ALCO at your institution should be discussing and finding your own answers to.

The search goes on for the optimal deposit strategy to fund loan growth and manage funding costs.

How does the economic value of equity computation (EVE) provide more comprehensive information than current standards for disclosures?

DCG has facilitated analysis with high-performing institutions that have decided to either execute or reject bond loss transactions.

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.

When planning the validation of any key risk models, always consider three effective challenge action items.

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...

Everyone has that one friend, relative, or neighbor who always seems to ask the one question you don’t have an answer for.

To keep pace with competition and escalating regulatory expectations, many institutions have shifted their risk management philosophies.