Bank & Credit Union Insights

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.

Over the last three months, a hidden risk dynamic has crept into many institutions’ interest rate risk profiles.

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

Critical Risk Management Action Items for Asset Quality, Earnings, & Capital. In recent weeks, regulators have signaled concern at levels...

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...

In the asset/liability management business, we spend a lot of time running “what ifs.” These are scenarios that make us think, analyze...

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...

Leverage and net worth ratios have declined, on average, by over 1% since the onset of the pandemic, driven by inflated balance sheets...

The definition of preparation is: the action or process of making something ready for use or service or of getting ready for some...

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

In November, I wrote about widespread fears of rising market rates and the related risks and rewards of adding duration to the cash and...

During the boating season, I find myself constantly checking weather reports. I have several applications on my phone that I scroll...