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Deposit Predictions for 2024

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.

Jonathon M. Weiner, PhD

Director, Data Science

Darling Consulting Group

Jonathon leads the DCG data science team, which provides industry-leading quantitative analytics and models to our banking clients. He has been a leading developer of lending, deposit, and real estate models for more than 14 years and is the author of “Modeling Prepayments and Defaults for MBS Valuation” in the definitive guidebook on the topic, “The Handbook of Mortgage-Backed Securities” (Fabozzi, 2016).


Prior to his current role, Jonathon led the development of the profitability models at LendUp from 2015 to 2018, spent two years before that launching a custom web-based mortgage analytics platform, and, from 2007 to 2013, managed the research and development group at LPS Applied Analytics (currently Black Knight Financial) where he was responsible for all development of the company's mortgage prepayment and default models, house price indices, and MBS valuation library. 


Jonathan earned his Ph.D. in physics at the University of California, Berkeley in 2002.

Justin Bakst

Executive Director

Darling Consulting Group

Justin provides risk management education and strategic consultation to financial institutions leveraging DCG’s analytics solutions. Justin has been a thought leader in risk management including interest risk, credit risk, and liquidity risk, as well as emerging risks including artificial intelligence and machine learning. Justin’s focus is developing and implementing solutions that analyze customer behavior patterns to proactively manage embedded risks and drive higher levels of earnings. Justin is a frequent speaker and author with the RMA, American Banker, NYTimes, and CIOMagazine.

Darling Consulting Group is pleased to announce our inaugural webinar of the year, exclusively tailored to the Deposits360°® community: Deposit Predictions for 2024.


Reflecting on 2023, the industry experienced heightened liquidity concerns, accelerated deposit attrition, rapid migration into time deposits, and a significant uptick in the cost of funds, taking many institutions by surprise. Anticipating deposit behavior patterns remains a critical strategic challenge, but difficult questions remain. What lies ahead for deposit portfolios in 2024? Will interest expense continue to creep higher intensifying margin compression or could rising funding costs potentially reverse direction? And most crucially, what actionable steps can be taken today to navigate these imminent challenges.


Be sure to join Justin Bakst, Billy Guthrie and Jon Weiner for this exclusive event. They will revisit 2023 predictions and delve into our predictions for 2024, drawing on DCG’s proprietary research and selected use cases that leverage cross-institution analysis, encompassing over 2.5 billion individual deposit records across 5,000 branches in 50 states. This comprehensive study spans two decades of rate cycles.


We look forward to your attendance and participation.

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