Bank & Credit Union Insights

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.

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.

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.

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.

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.

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.

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.

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?”

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.

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!

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.

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...

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...

Bank & Credit Union Insights

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