Jeff Reynolds
Matlock Looks at SVB and ALCO
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...
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Bank & Credit Union Insights
Karen French
- Mar 23
Ongoing Monitoring of Your ALCO Model & Model Results
DCG has performed model validations for banks and credit unions of all sizes and balance sheet complexities for well over a decade.
Zach Zoia
- Mar 20
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.
Matt Pieniazek
- Mar 17
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.
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.”
John Demeritt
- Nov 10, 2022
Asset Quality, Earnings, and Capital, Oh My!
How will the recession impact your institution? Particularly in these volatile economic times, stress testing can help drive an answer.
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.
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...
Joe Kennerson
- Jul 8, 2022
Transforming Deposit Pricing from an Art to a Science: Five Essential Analyses
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...
Jeff Reynolds
- Jun 29, 2022
The Scenario Nobody Talks About
In the asset/liability management business, we spend a lot of time running “what ifs.” These are scenarios that make us think, analyze...
Darnell Canada
- Apr 6, 2022
Looking at the Cash/Investment Strategy Through a Rear View Window
In November, I wrote about widespread fears of rising market rates and the related risks and rewards of adding duration to the cash and...
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...
Darnell Canada
- Nov 30, 2021
Not the Dreaded "D" Word
The year was 1996 and I was in an ALCO meeting early in my career. The topic of the conversation was interest rate risk and someone...
Zach Zoia
- Sep 9, 2021
Changing the Conversation
We all know that despite the challenges in our world with the pandemic, 2020 was a very strong year for earnings. 2021 has followed suit...
Joe Kennerson
- Aug 27, 2021
How to Profit from Your Next Deposit Study
The recent pandemic created the largest amount of excess liquidity in history. The industry has never been more flush with excess cash...
Jeff Reynolds
- Jun 22, 2021
"2000 Zero-Zero Party Over Oops Out of Time. So Tonight I'm Gonna Party Like It's 1999." -Prince
For many of us, those words and that song might have been the last we heard on New Year’s Eve in 1999, almost two decades after its...
Mike Mitchell
- Apr 29, 2021
Bet On Your Balance Sheet, Not Interest Rates
Working on the definitive answers to questions on these key areas to execute an informed financial strategy...
Vinny Clevenger
- Apr 23, 2021
Maintaining Composure in Turbulent Waters
The ability to remain composed and to make practical decisions are the most critical factors in navigating a boat in turbulent waters...
Steve Boselli
- Mar 25, 2021
"Skijoring" & Community Banking
Banking in the current environment is akin to getting dragged on skis by a runaway horse! The current...