Bank & Credit Union Insights

Eric Poulin

Nov 16, 2023

Balance Sheet Paralysis

Many financial institutions over the past 24-36 months have lost confidence in their interest rate risk models.

Laying Groundwork or Throwing Darts? Budgeting Through Uncertain Times

Joe Bona

Nov 13, 2023

Laying Groundwork or Throwing Darts? Budgeting Through Uncertain Times

As we all turn attention to the year to come, here are some key factors for management teams to consider when crafting their 2024 budgets.

The Effective Challenge Checklist: Three Action Items to Improve Model Performance

Mark Haberland

Oct 12, 2023

The Effective Challenge Checklist: Three Action Items to Improve Model Performance

When planning the validation of any key risk models, always consider three effective challenge action items.

Ryan Gilles

Oct 11, 2023

Control what you can control…

One of the most common questions we get from our clients is, “What should we do about our deposits?”

Darnell Canada

Aug 29, 2023

Those Awkward Adolescent Years

When I reflect on the state of the community banking industry, I can’t help but see a close likeness to those difficult adolescent years.

John Demeritt

Aug 7, 2023

Creating Loan Concentration Confidence

When asked, “John, where should we set our loan concentration policy limits?” I always answer in the same anti-climactic way: “It depends.”

Keith Reagan

Jun 28, 2023

DCG Annual Conference Wrap-Up

We are fresh from a stellar three days together with nearly 300 colleagues from banks, credit unions, regulators, and industry partners.

Jeff Reynolds

May 4, 2023

Matlock Looks at SVB and ALCO

A lot has been made of the loss position in SVB’s bond portfolio. Per the year-end call report, losses in Held to Maturity...

Effective Challenge: Necessary Evil or Valuable Opportunity

Tim Daniels

Mar 23, 2023

Effective Challenge: Necessary Evil or Valuable Opportunity

Everyone has that one friend, relative, or neighbor who always seems to ask the one question you don’t have an answer for.

The Basics of Liquidity Modeling and Documentation

Judi Kenney

Mar 23, 2023

The Basics of Liquidity Modeling and Documentation

To keep pace with competition and escalating regulatory expectations, many institutions have shifted their risk management philosophies.

Ongoing Monitoring of Your ALCO Model & Model Results

Karen French

Mar 23, 2023

Ongoing Monitoring of Your ALCO Model & Model Results

DCG has performed model validations for banks and credit unions of all sizes and balance sheet complexities for well over a decade.

Zach Zoia

Mar 20, 2023

The Prediction Issue

No one can predict the rate and economic environment. Yet, we can make sure we have strong risk management cultures in place.

Bank Failure Fallout: A Risk Management Checklist for Institutions

Matt Pieniazek

Mar 17, 2023

Bank Failure Fallout: A Risk Management Checklist for Institutions

The Darling Consulting Group team has been in contact with hundreds of banks and credit unions since the bank failure situation unfolded.

Five CECL Model Risk Resolutions for 2023

Hannah Glasrud

Feb 21, 2023

Five CECL Model Risk Resolutions for 2023

Help ensure a smooth journey and long-term benefits by add these five CECL and MRM resolutions to your list for 2023!

2023 Outlook for Deposits: Three Action Items

Joe Kennerson

Feb 2, 2023

2023 Outlook for Deposits: Three Action Items

The ability to lag deposit pricing is clearly over and retaining balances, let alone growing new funds, will be a challenge.

The Right Validation Can Make All the Difference

Mark Haberland

Feb 2, 2023

The Right Validation Can Make All the Difference

This rate environment is different and every decision matters. Are your models up to the task?

2023: The Year of the "Uncertain" Budget

Steve Boselli

Jan 26, 2023

2023: The Year of the "Uncertain" Budget

If there were ever a time when institutions spent countless hours to be “precisely incorrect,” it was the 2022 budgeting process!

Hot Topics in Model Risk Management & Validation

Mark Haberland

Dec 14, 2022

Hot Topics in Model Risk Management & Validation

Institutions can face significant challenges when it comes to model risk management. And getting it wrong may bring meaningful consequences.

Applying Multiple Perspectives to the “Loss Trade”

Bob Lallo

Dec 6, 2022

Applying Multiple Perspectives to the “Loss Trade”

DCG Managing Director Bob Lallo analyzes some of the key considerations surrounding the “Loss Trade.”

Asset Quality, Earnings, and Capital, Oh My!

John Demeritt

Nov 10, 2022

Asset Quality, Earnings, and Capital, Oh My!

How will the recession impact your institution? Particularly in these volatile economic times, stress testing can help drive an answer.

Zach Zoia

Oct 26, 2022

Not so fast, my friend!

Consider alternative outcomes to the rate forecasts we have been offered by both the Federal Reserve & the markets.

Unlocking Valuable Strategic Lending Insights

Zach Zoia

Oct 14, 2022

Unlocking Valuable Strategic Lending Insights

Institutions must try to change the conversation around lending strategy if they truly want to set themselves apart from competition.

If your ALCO conversations haven't changed, be concerned

Keri Crooks

Sep 7, 2022

If your ALCO conversations haven't changed, be concerned

Financial institutions are in the business of taking calculated risks, but it is the responsibility of ALCO to measure and manage them.

The Hidden Risk Behind Earnings Projections

Andrew Mitchell

Sep 1, 2022

The Hidden Risk Behind Earnings Projections

Over the last three months, a hidden risk dynamic has crept into many institutions’ interest rate risk profiles.

Bank & Credit Union Insights

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