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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 deposit momentum has shifted. Funding cost relief is accelerating as we get deeper into the Fed easing cycle. However, growth is well off the historical pace our industry has been used to, and liquidity levels continue to tighten. Thus, finding the critical balance of optimizing funding cost relief while protecting and growing deposits will be the paramount deposit strategy in 2026.
Join Darling Consulting Group for a data-driven session 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.
Understanding Price Elasticity: Learn how depositors respond to pricing shifts and how to price more effectively.
Looking Inward: Where to identify depositors at risk and develop comeback campaigns.
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.