Bank & Credit Union Insights

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.

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.

Help ensure a smooth journey and long-term benefits by add these five CECL and MRM resolutions to your list for 2023!

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

This rate environment is different and every decision matters. Are your models up to the task?

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

Institutions can face significant challenges when it comes to model risk management. And getting it wrong may bring meaningful consequences.

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.

It's time for your next model validation, but who should perform it - and how? Regulators make it clear that model validation is...

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

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...

Good model stewardship demands policies, sound data, education, documentation, and follow-through.