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Registration is now open for our 40th Annual Conference! 

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Basis Points Up for Grabs - Searching for the Optimal Deposit Strategy

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.

The competitive deposit landscape is as challenging as we have ever seen in modern banking history. We are left wondering what is considered core as the mix from low-cost stable deposits to rate sensitive funding continues to change. The historically inverted yield curve adds further pressure to these challenges and margins.

So, we search for the optimal deposit strategy to fund loan growth and manage funding costs. The equilibrium is difficult to find, but we know that every basis point counts. And there are certainly basis points up for grabs given the impending Fed pivot. Join Managing Directors Joe Kennerson and Billy Guthrie as they explore the deposit strategy outlook. They will share an inside look at current Deposits360°® data trends and forecast, case studies and lessons learned from the cycle, and provide a Fed Easing strategy playbook.


We hope you will join us for this CPE-eligible event.

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