Bank & Credit Union Insights

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

Feb 19

The Deposit Lag

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

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!

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.”

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.

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...

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...

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...

Bank & Credit Union Insights

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