Keri Crooks
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 those risk
Bank & Credit Union Insights
Keith Reagan
- Aug 4
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
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
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
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
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...
Jeff Reynolds
- Feb 27, 2021
A Lesson from the Ghost of Tom Petty
Back at the end of 2018, I asked a question of all my clients during the Q4 ALCO meetings: “Which way will rates go next year?"...
Keith Reagan
- Feb 25, 2021
A Game of 20 Questions
Twenty Questions is a game we have all played for fun and to pass the time on a long drive (before cell phones, that is)...
Joe Kennerson
- Feb 3, 2021
The Cash Conundrum
The great deposit surge of 2020 has left the industry with too much cash yielding next to nothing. Bring clarity to your deposit story...
Vinny Clevenger
- Jan 27, 2021
New Year's Resolutions for Your Institution
As with the dawn of every new year, many people look in the mirror and decide there is an area of themselves they’d like to improve...
Joe Kennerson
- Jan 14, 2021
2021 Strategy Spotlight
Last year was one of the most challenging years in banking, and we are all happy to say good riddance to 2020...
Joe Kennerson
- Aug 15, 2020
The Dreaded ALCO Meeting
Most ALCO meetings can get bogged down by economic updates and backward-looking budgetary and other analyses that often result in...
Justin Bakst
- May 21, 2020
The Newest Surge: Deposits
The COVID-19 situation, currently termed “the Great Lockdown,” has created a unique operating...