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Registration is now open for our 40th Annual Conference! 

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Asset/Liability Management

What Is Your Deposit Study Missing?

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.

Jeff Croteau

Account Manager

Darling Consulting Group

Jeff is an Account Manager at Darling Consulting Group, where he assists financial institution executives in strengthening their asset liability management (ALM) process. In this role, he provides custom solutions for managing interest rate risk, liquidity risk, and capital. Jeff is also knowledgeable in the areas of deposit strategies, regulatory compliance, and executive-level education.

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 industry continues to feel deposit pressure as the dust has yet to settle from the last Fed hike nearly eight months ago. The great rate shock of this cycle has led to a massive outflow in low-costing non-maturity deposits and a significant change in deposit mix. Margins continue to be negatively affected by this pressure and interest rate risk (IRR) analyses have been called into question.


It is crucial to regain trust in the IRR profile. It’s time to take a deep dive into the deposit study.


Join Darling Consulting Group in this educational webinar as we share insights on a more dynamic and forward-looking deposit study. Learn how bankers may gain confidence in telling their IRR story to their Board, along with insights on what is now increasingly expected from examiners.


Highlights will include:

  • The impact of deposit lags and dynamic betas

  • How to capture the unique nature of each institution’s deposit base including balance concentration

  • How to understand what impacts decay rates

  • Decay and beta insights from DCG’s nearly 300 Deposits360°® clients

  • The dangers of a “one-and-done” deposit study


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

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