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Basis Points Up for Grabs: The 2026 Deposit Playbook

Billy Guthrie

Deposit Consultant

Darling Consulting Group

Billy is a Deposit Consultant at Darling Consulting Group, working directly with financial institution executives to validate and better understand key deposit assumptions utilized in risk models. In addition to supporting core deposit study analyses, he also educates DCG’s client base on utilizing data analytics to support strategic deposit decisions through Deposits360°®, DCG’s proprietary tool.


Billy began his career with DCG in 2008 as a financial analyst. He is a graduate of the University of New Hampshire with a degree in finance and management.

Joe Kennerson

Managing Director

Darling Consulting Group

Joe is a Managing Director at Darling Consulting Group. In this capacity, he works directly with financial institutions by providing solutions for their asset liability management process in the areas of interest rate risk, liquidity risk management, ALM modeling, regulatory compliance and executive-level education. He is a frequent speaker and author and directly advises clients in all aspects of ALM.

As deposit competition intensifies and liquidity management grows more complex, financial institutions are rethinking their deposit strategies for 2026. Join Darling Consulting Group for a data-driven webinar designed to help you unlock funding cost relief without compromising balance sheet stability.


In this session, we’ll cover:

  • Finding the Sweet Spot: Tactics to reduce funding costs while maintaining optimal liquidity levels.

  • Understand Price Elasticity: Learn how depositors respond to pricing shifts and how to price more effectively.

  • Precision Pricing: Take a surgical approach to CD and MMDA pricing to protect margins and stay competitive.

  • Deposits360°® Live Case Studies: Real-world data insights on what’s working, what’s not, and the cost of deposit cannibalization.

Featuring actionable insights and proprietary analytics, this session is ideal for finance, treasury, and retail banking leaders seeking to fine-tune their 2026 deposit strategy.

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