Bank & Credit Union Insights

Joe Kennerson

Sep 9

What Is Your Deposit Study Missing?

How can a deposit study capture dynamic movement and provide meaningful clarity to ALCOs? Here are four strong considerations.

Joe Kennerson

Apr 26

The Dreaded ALCO Meeting

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

Zach Zoia

Mar 21

5 Questions for ALCO in 2024

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

Time for the Economic Value of Equity to Shine?

Bob Lallo

Feb 6

Time for the Economic Value of Equity to Shine?

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

Eric Poulin

Nov 16, 2023

Balance Sheet Paralysis

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

Ryan Gilles

Oct 11, 2023

Control what you can control…

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

Darnell Canada

Aug 29, 2023

Those Awkward Adolescent Years

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.

Zach Zoia

Mar 20, 2023

The Prediction Issue

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

Bank Failure Fallout: A Risk Management Checklist for Institutions

Matt Pieniazek

Mar 17, 2023

Bank Failure Fallout: A Risk Management Checklist for Institutions

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

2023 Outlook for Deposits: Three Action Items

Joe Kennerson

Feb 2, 2023

2023 Outlook for Deposits: Three Action Items

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

2023: The Year of the "Uncertain" Budget

Steve Boselli

Jan 26, 2023

2023: The Year of the "Uncertain" Budget

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

Applying Multiple Perspectives to the “Loss Trade”

Bob Lallo

Dec 6, 2022

Applying Multiple Perspectives to the “Loss Trade”

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

Zach Zoia

Oct 27, 2022

Not so fast, my friend!

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

Unlocking Valuable Strategic Lending Insights

Zach Zoia

Oct 14, 2022

Unlocking Valuable Strategic Lending Insights

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

If your ALCO conversations haven't changed, be concerned

Keri Crooks

Sep 8, 2022

If your ALCO conversations haven't changed, be concerned

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

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...

Now Is the Time to Do Our Homework on Deposits

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...

Navigating through an Uncertain Forecast

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...

Bank & Credit Union Insights

Tap into the latest bank and credit union insights from across the DCG team.