Bank & Credit Union Insights

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.

Mark Haberland

Aug 8, 2022

Going Beyond the "Tick & Tie"

It's time for your next model validation, but who should perform it - and how? Regulators make it clear that model validation is...

John Demeritt

Aug 8, 2022

Bracing for the "Ripple Effect"

Critical Risk Management Action Items for Asset Quality, Earnings, & Capital. In recent weeks, regulators have signaled concern at levels...

Keith Reagan

Aug 3, 2022

Top ALCO

In the summer blockbuster Top Gun: Maverick, we catch up with Lt. Pete Mitchell (call sign: Maverick) as he breaks Mach 10 in an...

Transforming Deposit Pricing from an Art to a Science: Five Essential Analyses

Joe Kennerson

Jul 7, 2022

Transforming Deposit Pricing from an Art to a Science: Five Essential Analyses

What if deposit pricing could be more of a science and less of an art form? When I ask bankers how their teams make deposit pricing...

Jeff Reynolds

Jun 28, 2022

The Scenario Nobody Talks About

In the asset/liability management business, we spend a lot of time running “what ifs.” These are scenarios that make us think, analyze...

Deposit Competition Will Intensify... Are You Prepared?

Billy Guthrie

Jun 21, 2022

Deposit Competition Will Intensify... Are You Prepared?

The FOMC increased the Fed Funds rate by another 75bps last week for a total of 150bps over the last three months, the most aggressive...

Inflation: Three Outcomes that Could Test Capital Resiliency

John Demeritt

May 10, 2022

Inflation: Three Outcomes that Could Test Capital Resiliency

Leverage and net worth ratios have declined, on average, by over 1% since the onset of the pandemic, driven by inflated balance sheets...

Now Is the Time to Do Our Homework on Deposits

Mike Mitchell

Apr 25, 2022

Now Is the Time to Do Our Homework on Deposits

The definition of preparation is: the action or process of making something ready for use or service or of getting ready for some...

Michael Guglielmo

Apr 11, 2022

Getting Model Risk Management Right

Good model stewardship demands policies, sound data, education, documentation, and follow-through.

Looking at the Cash/Investment Strategy Through a Rear View Window

Darnell Canada

Apr 5, 2022

Looking at the Cash/Investment Strategy Through a Rear View Window

In November, I wrote about widespread fears of rising market rates and the related risks and rewards of adding duration to the cash and...

Navigating through an Uncertain Forecast

Vinny Clevenger

Mar 14, 2022

Navigating through an Uncertain Forecast

During the boating season, I find myself constantly checking weather reports. I have several applications on my phone that I scroll...

Bank & Credit Union Insights

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