Bank & Credit Union Insights

Reducing regulatory burden may feel like progress. But as we move toward lighter oversight, let’s not forget what those rules were designed to prevent.

The pros and cons associated with static and dynamic interest rate risk modeling ... and what really matters when evaluating risk profiles.

A summary of the GENIUS Act and stablecoins, along with several potential considerations for banks and credit unions.

DCG’s primary objective for conference attendees is to walk away with “one key idea” for their institution. Sessions underscored a shared commitment to transforming unpredictability into opportunity through data-driven strategies. Here are the highlights from this year’s conference.

I have observed a number of common themes regarding asset / liability management and the business of banking that still ring true (to me). So, in the spirit of my 22nd work “anniversary,” here are 22 observations (in no particular order).

Unlike the COVID deposit surge, the impact of the loan origination surge is still at hand. Understanding the issues and how the next 18 months may impact your institution is critical when looking at longer-term success with your balance sheet.

Five key questions for the upcoming year that ALCOs should be devoting their time to.

Deposit gathering is no longer passive; it is a strategic imperative.

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.

A new FHFA report examines the FHLBanks' 90-year legacy and proposes some transformative goals. Here are the key points and take-aways.

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 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.

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...