Bank & Credit Union Insights

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

There is a massive tug-of-war between trying to lower deposit rates and protecting deposit relationships. Here are four ideas to help find the sweet spot in the struggle and gain an edge in deposit management.

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

On 9/17/25, the Fed announced a 25bps rate cut – its fourth since the tightening cycle ended in mid-2023, but the first since last December. It comes at a time of continued uncertainty regarding the forward paths of employment, inflation, and economic activity.

How did COVID surge balances behave, were early concerns justified, and should those deposits still be treated as distinct from core?

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

An effective deposit management process consists of three key stages.

How can institutions have deposit pricing conversations that optimize both growth and stability at the margin?

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

Aside from going to market with a high-rate special, what can you do? The answer may lie in your existing data.

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

How can a deposit study capture dynamic movement and provide meaningful clarity to ALCOs? Here are four strong considerations.

Deposit pressure may continue in the early stages of a Fed easing cycle. Here are four strategies for a proactive falling rate game plan.

What are some initiatives to help balance retention while protecting against the cannibalization of lower-costing funds?

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

The search goes on for the optimal deposit strategy to fund loan growth and manage funding costs.

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

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

The ability to lag deposit pricing is clearly over and retaining balances, let alone growing new funds, will be a challenge.

If there were ever a time when institutions spent countless hours to be “precisely incorrect,” it was the 2022 budgeting process!