Bank & Credit Union Insights

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Asset/Liability Management
Model Validation & MRM

Andrew Mitchell

Nov 4

Deposits360°® Monthly Industry Review

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

Is Your Budget Filled with Tricks or Treats?

Ryan Gilles

Oct 30

Is Your Budget Filled with Tricks or Treats?

When it comes to 2025 budgets, what factors will emerge as "treats" (deposit stability, asset yields, etc.) versus potential "tricks"?

Andrew Mitchell

Sep 30

Deposits360°® Monthly Industry Review

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

Vinny Clevenger

Sep 18

Falling Rate Fever

Financial institutions need to pivot their strategies as the FOMC embarks on an easing cycle.

Joe Kennerson

Sep 9

What Is Your Deposit Study Missing?

How can a deposit study capture dynamic movement and provide meaningful clarity to ALCOs? Here are four strong considerations.

Credit & Capital Stress Testing: Three Reasons Why Now Is the Time

John Demeritt

Aug 27

Credit & Capital Stress Testing: Three Reasons Why Now Is the Time

It is more important now than ever before to stress test before the next crisis hits and options for remediation become even more limited.

Andrew Mitchell

Aug 21

Deposits360°® Monthly Industry Review

This month’s Review highlights notable trends and projections in DCG’s deposit pricing and volume models.

Liquidity Basics: 3 Steps to a Strategic Framework

Eric Poulin

Aug 12

Liquidity Basics: 3 Steps to a Strategic Framework

These three steps begin building a liquidity management framework to help satisfy regulatory requirements and execute strategy confidently.

Joe Kennerson

Aug 5

Deposit Funding Cost Relief on Its Way?

Deposit pressure may continue in the early stages of a Fed easing cycle. Here are four strategies for a proactive falling rate game plan.

The Questioning Mind: Good Ideas from DCG's 40th Annual Conference

Vinny Clevenger

Jul 29

The Questioning Mind: Good Ideas from DCG's 40th Annual Conference

DCG's Senior Analysts summarize key themes from the 40th Annual Balance Sheet & Model Risk Management conference.

Andrew Mitchell

Jul 15

Deposits360°® Monthly Industry Review

This month’s Review highlights notable trends and projections in DCG’s Deposits360°® database and deposit pricing and volume models.

Is Your CECL Model Still "Fit for Use?" Three Critical Analyses

Chase Ogden

Jul 8

Is Your CECL Model Still "Fit for Use?" Three Critical Analyses

For Current Expected Credit Losses (CECL) models, building a sound monitoring program and creating periodic reporting can be challenging.

The FHLBank System at 100: Key Points and Take-Aways

Geof Kelly

May 29

The FHLBank System at 100: Key Points and Take-Aways

A new FHFA report examines the FHLBanks' 90-year legacy and proposes some transformative goals. Here are the key points and take-aways.

Chase Ogden

May 14

Overcoming Credit Modeling Challenges

A quantitative perspective on the next economic downturn.

Joe Kennerson

Apr 26

The Dreaded ALCO Meeting

How can you transform a stale and Dreaded ALCO meeting into one that members look forward to attending? You need to flip the script.

Liquidity Management Items You Should Have Discussed “Yesterday”

Joe Bona

Apr 15

Liquidity Management Items You Should Have Discussed “Yesterday”

How can institutions prepare for a potential liquidity event? Here are the five discussions your organization should have already had.

Debunking 5 Credit & Capital Stress Testing Myths

John Demeritt

Apr 8

Debunking 5 Credit & Capital Stress Testing Myths

When it comes to why they’re not performing credit/capital stress testing, institutions generally share five common objections.

Joe Kennerson

Mar 27

Chipping Away at Deposit Costs

What are some initiatives to help balance retention while protecting against the cannibalization of lower-costing funds?

Zach Zoia

Mar 21

5 Questions for ALCO in 2024

Below are five serious questions that we believe the ALCO at your institution should be discussing and finding your own answers to.

Joe Kennerson

Feb 19

The Deposit Lag

The search goes on for the optimal deposit strategy to fund loan growth and manage funding costs.

Time for the Economic Value of Equity to Shine?

Bob Lallo

Feb 6

Time for the Economic Value of Equity to Shine?

How does the economic value of equity computation (EVE) provide more comprehensive information than current standards for disclosures?

The Risk Management “Health Check:” Three Steps to Better Decision-Making in 2024

Mark Haberland

Feb 1

The Risk Management “Health Check:” Three Steps to Better Decision-Making in 2024

For better, more confident decision-making in the year ahead, consider the three key steps of a risk management “health check.”

Keri Crooks

Dec 13, 2023

Things that make you go Hmmmm...

DCG has facilitated analysis with high-performing institutions that have decided to either execute or reject bond loss transactions.

Basis Points Up for Grabs: Four Deposit Focus Areas for 2024

Joe Kennerson

Nov 28, 2023

Basis Points Up for Grabs: Four Deposit Focus Areas for 2024

As we head into next year, here are four focus areas to consider as you position your institution to win funding cost basis points.

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Bank & Credit Union Insights

Tap into the latest bank and credit union insights from across the DCG team.