One of the biggest influences on margin success amid rising interest rates will be the ability to manage deposit costs. The market and industry dynamics are unique; we enter this Fed tightening cycle with the most deposit growth we have ever seen in a concentrated period. But questions remain. How will these dynamics influence deposit volatility? What are optimal pricing strategies as rates move? Financial institutions need to map out their deposit game plans now, particularly if the Fed is aggressive early in the cycle to lower inflation.

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Rising Interest Rates

One of the Greatest Threats to Margin During a Rising Rate Cycle

Video:  3 Minutes

What's your institution's strategy for rising interest rates?

Recent Webinar

Deposit Strategies in a Fed Tightening Cycle

Click to watch Darling Consulting Group's 3/30/2022 discussion sharing ideas on deposit initiatives, data analytics insights, and whether lessons learned from previous cycles still apply today. Managing Directors Joe Kennerson and Billy Guthrie focus on:

  • Assessing lag capacity and offensive vs. defensive initiatives

  • Strategies to minimize cannibalization and lower marginal cost of funds

  • Deposit surge trends and expectations

  • Identifying at-risk customers

  • Differentiating attrition from loss of relationships vs. discretionary funds

How to predict deposit betas, avoid betting too much on rate hikes with DCG's Matt Pieniazek

How to avoid betting too much on rate hikes - Darling Consulting Group President & CEO Matt Pieniazek discussed balance sheet positioning for rate hikes, the potential for banks' bonds to move further underwater as rates move higher, and how banks should evaluate how sensitive their deposit bases will be to the Fed's tightening cycle.

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Podcast with Darling Consulting Group's President & CEO Matt Pieniazek

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Deposit Strategies in a Fed Tightening Cycle

Every new rising rate period is a little bit different. Is your institution prepared?

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Podcast with Darling Consulting Group's Joe Kennerson

Preparing for Rising Rates with DCG's Joe Kennerson 

Join Joe Kennerson of Darling Consulting Group to discuss how your organization can prepare for rising rates.

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