Joe Kennerson
Basis Points Up for Grabs: Four Deposit Focus Areas for 2024
As we head into next year, here are four focus areas to consider as you position your institution to win funding cost basis points.
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Bank & Credit Union Insights
Eric Poulin
- Nov 16
Balance Sheet Paralysis
Many financial institutions over the past 24-36 months have lost confidence in their interest rate risk models.
Joe Bona
- Nov 13
Laying Groundwork or Throwing Darts? Budgeting Through Uncertain Times
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.
Ryan Gilles
- Oct 11
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
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.
John Demeritt
- Aug 7
Creating Loan Concentration Confidence
When asked, “John, where should we set our loan concentration policy limits?” I always answer in the same anti-climactic way: “It depends.”
Keith Reagan
- Jun 28
DCG Annual Conference Wrap-Up
We are fresh from a stellar three days together with nearly 300 colleagues from banks, credit unions, regulators, and industry partners.
Jeff Reynolds
- May 4
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...
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 26, 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 7, 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 3, 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 7, 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 28, 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 5, 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 14, 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...
Tap into the latest bank and credit union insights from across the DCG team.
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