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Into the Unknown: Deposit Strategy Outlook for 2025

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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 last two Fed easing cycles ended at 0%. This cycle feels different. While uncertainty still looms, the FOMC median dot plot and fed funds futures markets have the Fed Funds rate targeted close to 4% upper bound by year-end. The deposit relief that many were hoping for in 2025 may be further delayed. Competition will remain stiff, and growth may be tough to come by.


Join Darling Consulting Group Managing Directors Joe Kennerson and Billy Guthrie as they share deposit strategies to walk the line between growth and funding cost relief for 2025. They will present DCG’s Deposits360°® data insights and latest forecast, as well as proven strategies and case studies to help build a successful funding platform for 2025.


Highlights include:

  • Maximizing funding cost relief while balancing liquidity levels

  • Deposits360° data insights

  • Managing the relationship between CDs and MMDAs

  • Live case studies and successful deposit strategies

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