Bank & Credit Union Insights

Well-rounded credit risk stress testing processes can help allocate capital more prudently under any environment – stressful or otherwise.

What are you missing as 2025 approaches with continued earnings risk uncertainty? Here are four considerations to advance change at ALCO.

Recent volatility put interest rate risk models to the test. Here are five steps to regain trust in your risk model.

When it comes to 2025 budgets, what factors will emerge as "treats" (deposit stability, asset yields, etc.) versus potential "tricks"?

Financial institutions need to pivot their strategies as the FOMC embarks on an easing cycle.

These three steps begin building a liquidity management framework to help satisfy regulatory requirements and execute strategy confidently.

DCG's Senior Analysts summarize key themes from the 40th Annual Balance Sheet & Model Risk Management conference.

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

How can institutions prepare for a potential liquidity event? Here are the five discussions your organization should have already had.

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

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

DCG has facilitated analysis with high-performing institutions that have decided to either execute or reject bond loss transactions.

As we head into next year, here are four focus areas to consider as you position your institution to win funding cost basis points.

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

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.

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

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.

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...