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The Deposit Difference

Billy Guthrie

Deposit Consultant

Darling Consulting Group

Billy is a Deposit Consultant at Darling Consulting Group, working directly with financial institution executives to validate and better understand key deposit assumptions utilized in risk models. In addition to supporting core deposit study analyses, he also educates DCG’s client base on utilizing data analytics to support strategic deposit decisions through Deposits360°®, DCG’s proprietary tool.


Billy began his career with DCG in 2008 as a financial analyst. He is a graduate of the University of New Hampshire with a degree in finance and management.

Joe Kennerson

Managing Director

Darling Consulting Group

Joe is a Managing Director at Darling Consulting Group. In this capacity, he works directly with financial institutions by providing solutions for their asset liability management process in the areas of interest rate risk, liquidity risk management, ALM modeling, regulatory compliance and executive-level education. He is a frequent speaker and author and directly advises clients in all aspects of ALM.

The Fed has triggered a Shocked Rising Rate environment in its effort to battle inflation with short-term market rates increasing substantially while Fed tapering continues to remove liquidity from the system. It is no surprise that managing deposit sensitivity is dominating strategic discussions, particularly as many institutions are facing tightening liquidity positions.


Competition is also intensifying as deposit specials quickly climb to levels we have not seen in decades, which is elevating cannibalization risk on large non-maturity deposit portfolios. The deposit pricing decisions you make as the Fed continues tightening will have a profound impact on margin and customer retention.


Join Darling Consulting Group for deposit strategy insights during this tightening cycle. DCG Managing Directors Joe Kennerson and Billy Guthrie will share live case studies from the vast Deposits360°® client base on recent attrition and migration trends, successful deposit promotions, and overall insights on deposit strategies.


Primary areas of focus will be:

  • Inside look at pricing, attrition, and migration trends

  • Deposits360°® volume and rate forecast based on the Fed’s tightening expectations

  • Case studies showcasing successful deposit strategies

  • How cannibalization trends impact the true cost of funds on deposit specials

  • Strategies to optimize new money growth and minimize cannibalization

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