Andrew Mitchell
Deposits360°® Monthly Industry Review
This month's Review highlights key trends in DCG’s Deposits360° Cross-Institution database and deposit pricing/volume forecasting models.
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Bank & Credit Union Insights
Joe Kennerson
- Feb 2
2023 Outlook for Deposits: Three Action Items
The ability to lag deposit pricing is clearly over and retaining balances, let alone growing new funds, will be a challenge.
Steve Boselli
- Jan 26
2023: The Year of the "Uncertain" Budget
If there were ever a time when institutions spent countless hours to be “precisely incorrect,” it was the 2022 budgeting process!
Andrew Mitchell
- Jan 19
Deposits360°® Monthly Industry Review
The monthly Review highlights key trends in the Deposits360°® Cross-Institution database and deposit forecasting models.
Andrew Mitchell
- Sep 1, 2022
The Hidden Risk Behind Earnings Projections
Over the last three months, a hidden risk dynamic has crept into many institutions’ interest rate risk profiles.
Keith Reagan
- Aug 4, 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 8, 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 29, 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...
Billy Guthrie
- Jun 22, 2022
Deposit Competition Will Intensify... Are You Prepared?
The FOMC increased the Fed Funds rate by another 75bps last week for a total of 150bps over the last three months, the most aggressive...
Mike Mitchell
- Apr 26, 2022
Now Is the Time to Do Our Homework on Deposits
The definition of preparation is: the action or process of making something ready for use or service or of getting ready for some...
Vinny Clevenger
- Mar 15, 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...
Joe Kennerson
- Nov 18, 2021
Searching for the Silver Bullet
Any silver bullet strategies?” This is a question we have received more this year than in any past year. The silver bullet quest is to...
Justin Bakst
- Oct 7, 2021
Past, Present, and the Future with Predictive Analytics
Almost 30 years ago, George Darling published a short book titled, The Business of Banking for Bank Directors. In the opening paragraphs...
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...
Joe Kennerson
- Apr 6, 2021
The Asset Extension Dilemma
Margin pressure remains one of the industry’s biggest challenges today. The good news is higher rates and a steeper yield curve present...
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...
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...
Tap into the latest bank and credit union insights from across the DCG team.
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